Are you looking for reliable yet affordable auto insurance? Ameriprise Insurance Auto can be a smart choice for drivers who value quality coverage, personalized service, and competitive rates. In this article, we’ll explore the basics of Ameriprise auto insurance, including its features, benefits, and drawbacks. We’ll also answer some frequently asked questions (FAQ) about Ameriprise insurance auto, and share some customer reviews to help you make an informed decision.
What is Ameriprise Insurance Auto?
Ameriprise Insurance Auto is a division of Ameriprise Financial, a Fortune 500 company that offers a range of financial products and services, including auto, home, umbrella, and life insurance. Ameriprise auto insurance is underwritten by IDS Property Casualty Insurance Company, a subsidiary of Ameriprise Financial. IDS Property Casualty Insurance Company is rated A by A.M. Best Company, a leading insurance rating agency.
Ameriprise Insurance Auto is available in most states in the United States. It offers a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and rental reimbursement. Ameriprise also offers some optional add-ons, such as accident forgiveness, roadside assistance, and glass repair/replacement coverage.
One advantage of Ameriprise auto insurance is its customizable coverage. You can tailor your policy to meet your specific needs and budget. For example, you can choose your deductible, limits, and discounts to adjust your premium. Ameriprise also offers a variety of discounts to help you save money on your policy, such as:
Discount Type |
Description |
|---|---|
Multi-policy Discount |
Save up to 15% on your auto insurance when you also have a home, renters, or condo policy with Ameriprise. |
Preferred Payment Discount |
Save up to 5% on your premium when you enroll in automatic payments or pay your policy in full. |
Safe Driving Discount |
Save up to 20% on your premium when you maintain a clean driving record for at least three years. |
Student Discount |
Save up to 10% on your premium if you’re a full-time student under age 25 with good grades. |
How does Ameriprise Insurance Auto work?
To get a quote for Ameriprise auto insurance, you can visit their website or call their toll-free number. You’ll be asked to provide some personal information, such as your name, address, driving history, and vehicle details. Based on this information, Ameriprise will generate a customized quote for you.
If you decide to purchase a policy from Ameriprise, you’ll be asked to choose your coverage, deductible, and payment options. You can enroll in automatic payments or pay your policy in full, quarterly, or monthly. Ameriprise also offers paperless billing and electronic policy documents for your convenience.
If you need to file a claim with Ameriprise, you can do so online or by phone. Ameriprise’s claims team will guide you through the process and keep you informed about the status of your claim. They also offer a guaranteed repair program, which means that if you use one of Ameriprise’s approved repair shops, your repairs will be guaranteed for as long as you own your vehicle.
What are the pros and cons of Ameriprise Insurance Auto?
Like any insurance company, Ameriprise Insurance Auto has its strengths and weaknesses. Here are some pros and cons to consider before you choose Ameriprise auto insurance:
Pros:
- Affordable rates: Ameriprise auto insurance offers competitive rates and a variety of discounts to help you save money on your policy.
- Personalized service: Ameriprise has a reputation for providing excellent customer service and personalized attention to its policyholders.
- Flexible coverage: Ameriprise allows you to customize your policy to meet your specific needs and budget, which can help you avoid paying for unnecessary coverage.
- Strong financials: Ameriprise Financial is a reputable and financially stable company, which can give you peace of mind that your claims will be paid.
Cons:
- Limited availability: Ameriprise auto insurance is not available in all states, so you’ll need to check if it’s offered in your area.
- Limited coverage options: While Ameriprise offers a variety of coverage options, some drivers might find that they need more specialized coverage that Ameriprise doesn’t offer.
- No local agents: Ameriprise doesn’t have a network of local agents, which means that you’ll need to rely on phone or online support.
- Mixed customer reviews: While many customers are satisfied with Ameriprise, some have reported issues with claims processing, billing, and customer service.
FAQ: Answers to Common Questions about Ameriprise Insurance Auto
Q: How can I get a quote for Ameriprise auto insurance?
A: You can get a quote for Ameriprise auto insurance by visiting their website or calling their toll-free number. You’ll need to provide some personal and vehicle information to get a customized quote.
Q: What discounts are available with Ameriprise auto insurance?
A: Ameriprise offers a variety of discounts, including multi-policy, preferred payment, safe driving, and student discounts. You can also get discounts for having anti-theft devices, airbags, or hybrid/electric vehicles.
Q: How do I file a claim with Ameriprise auto insurance?
A: You can file a claim with Ameriprise online or by phone. You’ll need to provide some details about the incident and your policy information. Ameriprise will assign a claims specialist to your case and guide you through the process.
Q: Does Ameriprise auto insurance offer roadside assistance?
A: Yes, Ameriprise offers roadside assistance as an optional add-on to your policy. You can get help with services such as towing, lockout assistance, and jump-starts.
Q: How long does it take for Ameriprise to process a claim?
A: The time it takes for Ameriprise to process a claim can vary depending on the complexity of the case and the availability of information. However, Ameriprise aims to process claims as quickly and efficiently as possible, and they offer status updates throughout the process.
Customer Reviews of Ameriprise Insurance Auto
To give you an idea of what other drivers think about Ameriprise auto insurance, we’ve compiled some recent customer reviews from popular review sites.
Positive Reviews:
- “I have been with Ameriprise auto insurance for several years and their customer service is always top-notch. They have been very helpful in handling claims and answering questions.” – J. H.
- “I switched to Ameriprise auto insurance and saved a lot of money compared to my previous insurer. I also appreciated the option to customize my coverage to fit my needs.” – K. B.
- “I have had great experiences with Ameriprise auto insurance. They were very quick to respond to my claim and provided excellent service throughout the process. I also appreciate their online tools and mobile app.” – T. S.
Negative Reviews:
- “I had a difficult time getting a straight answer from Ameriprise customer service. They seemed more interested in upselling me on additional coverage than addressing my concerns.” – L. M.
- “I had a claim with Ameriprise and it took months to get it resolved. I had to keep calling and emailing to get updates, and I felt like I was being passed around to different departments.” – B. P.
- “I had a billing issue with Ameriprise where they charged me twice for my policy. It took a lot of effort to get it resolved, and I felt like they weren’t taking my concerns seriously.” – S. G.
Conclusion
If you’re looking for a reputable and affordable auto insurance company, Ameriprise Insurance Auto can be a good option. They offer customizable coverage, competitive rates, and discounts to help you save money on your policy. However, Ameriprise is not available in all states, and some customers have reported issues with claims processing and customer service. By doing your research and comparing several insurance companies, you can find the right coverage for your needs and budget.