Ameriprise Car Insurance

3.5 22 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
California 862 Among the best
Ameriprise Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Half Star Empty Star 3.1
14
Android
Full Star Full Star Half Star Empty Star Empty Star 2.9
316
Financial Ratings
Company Name Ratings
A.M. Best A
Standard & Poor's A
Fitch A-
Moody's A3

Discounts

The largest discounts from Ameriprise are: Good Driver Discount, Provider Switch Discount, Daytime Running Lights Discount

Discount Type Discount %
Good Driver Discount Varies
Provider Switch Discount Varies
Daytime Running Lights Discount Varies
Multiple Policy Discount Varies
Loyalty Discount Varies
Multiple Vehicle Discount Varies
New Graduate Discount Varies
Student Away at School Discount Varies
Good Student Discount Varies
Garaging Discount Varies
Anti-Theft Device Discount Varies
Anti-lock Brake Discount Varies
Passive Restraint Discount Varies
Defensive Driver Discount Varies
Accident Free Discount Varies
Accident (Merit) Rating Varies
Accident Forgiveness Varies
Seat Belt Use Discount Varies

Payment Methods

  • Complete Tick Prepayment
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Mail Payment
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Automatic Online Payments
  • Complete Tick Online Payment
  • Complete Tick Mobile App Payments
  • Complete Tick Electronic Check
  • Complete Tick Multi-payment Installment Plans

Features and Services

  • Online account management Online account management
  • Mobile app Mobile app
  • Accident forgiveness Accident forgiveness
  • 24/7 service 24/7 service
  • Roadside assistance Roadside assistance
  • Flexible / convenient payments Flexible / convenient payments

Optional Coverage

  • Complete Tick Road Side Assistance
  • Complete Tick Rental Reimbursment
  • Complete Tick Gap Insurance
  • Complete Tick New Car Replacement Coverage
  • Complete Tick Accident Forgiveness
  • Complete Tick Glass Coverage
  • Complete Tick Electronic Key & Lock Replacement
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Umbrella Policy

Ameriprise Insurance Products

Ameriprise offers a variety of homeowners insurance coverages to fit your specific concerns and budget. Their coverage options include:

  • Dwelling
  • Other structures: Covers damage to structures detached from your home such as a shed. 
  • Personal property
  • Scheduled property: Covers valuable, appraised items like engagement rings, antiques, etc. 
  • Water backup and sump overflow endorsement: Covers damage caused by backed up drain or broken sump pump.
  • Earthquake
  • Mine subsidence: Covers damages caused by a mine shifting below your home (mainly Illinois, Ohio, Kentucky and West Virginia).
  • Additional living expenses: Covers cost of hotel stays if your home is deemed uninhabitable after a covered loss. 
  • Liability
  • Medical payments
  • Personal injury 

Ameriprise offers additional benefits to homeowners including:

  • Identity theft protection: Covers up to $5,000 in costs related to recovering your identity. 
  • Stolen credit card use or check fraud protection: Deductible free coverage for unauthorized credit card purchases. 
  • Food spoilage protection: Covers up to $500 in food spoilage due to a power failure.
  • Lock replacement expense protection: Covers up to $100 for lock replacement if your home is broken into. 

Ameriprise offers a variety of car insurance coverages and benefits so you can get coverage at an affordable price. 

Ameriprise auto insurance coverage options include:

  • Collision
  • Comprehensive
  • Roadside assistance and towing
  • Rental car insurance
  • Bodily injury
  • Property damage
  • Uninsured motorist
  • Medical expense
  • Personal injury protection (PIP)
  • GAP insurance: Covers the full cost of replacing your new car or the remaining loan amount you have on the car.  

Ameriprise auto insurance policyholders have access to multiple benefits including:

  • Accident forgiveness
  • Windshield repair: Deductible-free windshield repair. 
  • Stolen key coverage: Covers the cost to replace car locks when your car keys are stolen. No deductible if the cost is under $250. 
  • Accident travel expense: Covers out of pocket travel expenses if your car breaks down 100 miles from home. 

Ameriprise offers a variety of condo insurance coverages to fit your specific concerns and budget. Their coverage options include:

  • Dwelling
  • Other structures: Covers damage to structures detached from your home such as a shed. 
  • Personal property
  • Scheduled property: Covers valuable, appraised items like engagement rings, antiques, etc. 
  • Water backup and sump overflow endorsement: Covers damage caused by backed up drain or broken sump pump.
  • Earthquake
  • Mine subsidence: Covers damages caused by a mine shifting below your home (mainly Illinois, Ohio, Kentucky and West Virginia).
  • Additional living expenses: Covers cost of hotel stays if your home is deemed uninhabitable after a covered loss. 
  • Liability
  • Medical payments
  • Personal injury 

Ameriprise offers additional benefits to homeowners including:

  • Identity theft protection: Covers up to $5,000 in costs related to recovering your identity. 
  • Stolen credit card use or check fraud protection: Deductible free coverage for unauthorized credit card purchases. 
  • Food spoilage protection: Covers up to $500 in food spoilage due to a power failure.
  • Lock replacement expense protection: Covers up to $100 for lock replacement if your home is broken into. 

Your landlords insurance may only cover the physical structure of your building so you’ll need your own insurance to protect what’s inside your apartment. Ameriprise offers a variety of renters coverage and benefits to protect your personal belongings.

An Ameriprise renters insurance policy typically includes the following coverages:

  • Personal property 
  • Liability
  • Medical payments
  • Personal injury: An optional coverage that protects against false arrest, detention, or imprisonment, wrongful entry, malicious prosecution, wrongful eviction, slander, defamation of character, libel and invasion of privacy.
  • Additional living expenses: Covers the cost of hotel stays if your apartment is deemed uninhabitable after a covered loss. 
  • Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc. 
  • Earthquake
  • Water backup and sump overflow: Covers damage caused by backed up drain or broken sump pump.

A renters policy with Ameriprise comes with a handful of additional benefits including:

  • Credit card and checking account fraud protection: Deductible free coverage for unauthorized credit card purchases. 
  • Identity theft protection: Covers up to $5,000 in costs related to recovering your identity. 

Ameriprise offers personal umbrella insurance coverage for when the cost of an accident exceeds your auto or home insurance policy limits; it’ll pay the difference between how much your claim actually costs and how much your auto/home insurance can cover. Ameriprise requires you to own an auto insurance policy with them in order to purchase an umbrella policy. 

With an Ameriprise umbrella policy, you can choose coverage limits from $1 million to $5 million that will provide extra coverage in the event of a:

  • Car accident
  • Guest injury
  • Personal lawsuit
  • Libel, slander, or defamation of character 

Ameriprise offers a variety of specialty insurance policies, including all-terrain vehicles (ATV) coverage, through industry-leading insurance partners.  

Ameriprise offers a variety of specialty insurance policies, including motorhome (RV) coverage, through industry-leading insurance partners.  

Ameriprise offers a variety of specialty insurance policies, including watercraft coverage, through industry-leading insurance partners.  

Ameriprise offers a variety of specialty insurance policies, including flood coverage, through industry-leading insurance partners.  

Ameriprise offers a variety of specialty insurance policies, including motorcycle coverage, through industry-leading insurance partners.  

Ameriprise offers a variety of specialty insurance policies, including classic and collector car coverage, through industry-leading insurance partners.  

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Company History

Headquartered in Minneapolis, Minnesota, Ameriprise Financial was founded in 1894. Ameriprise is a multi-billion dollar publically traded company AMP (NYSE) and currently employs over 12,000 people, while generating over $10 billion in revenue in 2012. Along with offering various financial services, Ameriprise specializes in auto, home & condo, renters, umbrella, and even specialty insurance.

Ameriprise Reviews

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1 Star
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Most Positive Review
By Roger
June 15, 2018

Value

Most Critical Review
By Greg
January 28, 2018

Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.