Ameriprise Auto Insurance Review

If you’re looking for flexible policy options and a high level of coverage, Ameriprise is one to check out. Ameriprise premiums are affordably priced, especially if you have a Costco membership.

J.D. Power Rating
5/5
AM Best Rating
A
Standard & Poor’s
A
SimpleScore
3.3 / 5.0
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SimpleScore Ameriprise 3.3
Discounts 3
Coverage Options 4
Customer Satisfaction N/A
Support 3
Accessibility 3
  • Fantastic coverage options
  • Good discounts
  • Widespread coverage
  • Can’t make a claim online
  • Few mobile tools

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    In this article

      In late 2019, Ameriprise was acquired by American Family, one of the top insurance companies in the United States. After the acquisition, Ameriprise Auto and Property Insurance was rebranded under the name CONNECT, which is powered by American Family Insurance.

      Drivers can still purchase auto insurance through Ameriprise, but the actual coverage is supplied by American Family. The recent switch comes with a number of perks for drivers. American Family is a reliable and reputable insurance company, with impressive financial strength and ratings.

      We reviewed CONNECT auto insurance using the SimpleScore method, which compares discounts, additional coverage, customer satisfaction, support and accessibility.

      Ameriprise at a glance

      In business1927 (American Family founding date)
      States served43
      Best forDrivers who want to manage their policy online
      Not forHigh-risk drivers
      Standout featuresStolen key coverage
      Flexible payment plansSpecial benefits for Costco members
      Available bundlesAuto and home, auto and umbrella, auto, home and umbrella

      What we like about Ameriprise

      Online policy management

      With CONNECT, it’s easy to manage your policy online, so it’s a great option for drivers who are looking for the ultimate convenience. Some of the actions you can complete online include making a payment, downloading your policy documents, adding, removing or replacing a vehicle, adding or removing drivers, updating your driver’s license number, updating your vehicle’s VIN number, and much more.

      Great coverage options

      CONNECT has a number of great coverage options for drivers who want to be able to customize their policy. In addition to basic coverages, CONNECT sells roadside assistance, rental car reimbursement, gap insurance, personal injury protection coverage, accident travel expense coverage, and more. If you buy comprehensive coverage, you’ll also get stolen key expense coverage, which covers the cost of a stolen key and replacing your locks.

      [ Read: 9 Things You Didn’t Know About Car Insurance (But Should) ]

      Discounts

      CONNECT might not be the cheapest car insurance company, but you can save money by taking advantage of discounts. The company offers a number of common discounts, like taking a defensive driving course, having vehicle safety features, and being a good student. Drivers in certain states can also save money if they keep their vehicle in a garage overnight.

      Things to consider

      Limited availability

      One of the downsides of CONNECT is that it’s not available everywhere. Drivers in Alaska, Louisiana, Maine, Massachusetts, Rhode Island, Wyoming, and North Dakota can’t get coverage from CONNECT. Additionally, many of the coverages and discounts are state-specific. For instance, only drivers in California can claim the good driver discount. Before you purchase insurance through CONNECT, it’s a good idea to speak with an agent to find out what coverages and discounts are available where you live.

      Ameriprise vs. the competition

      Geico

      SimpleScore: 4/5

      Geico car insurance is known for being cheap. The coverages are basic, and the customer service is pretty lacking, but you’ll be hard-pressed to find a better rate. Compared to CONNECT, Geico’s rates are less expensive, but both companies offer roughly the same number of discounts. Like CONNECT, Geico customers can manage their policy online, but there aren’t quite as many options.

      Read our full Geico review.

      Allstate

      SimpleScore: 4.25/5

      Allstate is known for its flexible coverages, discounts, and online tools. We also found that Allstate was one of the best companies for insurance bundling. It shares a few key similarities with CONNECT, but Allstate falls short when it comes to reviews and customer satisfaction. Although Allstate has an A+ rating from the Better Business Bureau, the company has closed over 1,300 customer complaints in the last three years. American Family, the insurer behind CONNECT, has an A rating, but only 236 complaints in the same timeframe.

      Read our full Allstate review.

      Progressive

      SimpleScore: 4.2/5

      Progressive is one of the top car insurance companies on the market. In addition to great coverages and discounts, the company also offers amazing online tools and resources. Progressive’s Name Your Price tool helps drivers find the best coverage for their budget, and you can even compare Progressive’s prices with its competitors. CONNECT has online claims and a blog with insurance-related articles, but Progressive’s online tools go above and beyond.

      Read our full Progressive review.

      Ameriprise auto insurance rates

      CONNECT doesn’t advertise its auto insurance costs online. That’s because every driver will pay a slightly different rate based on their state, age, credit score, claims history, and more. To determine how much you’ll pay for CONNECT auto insurance, you can get a quote online. You’ll be asked to provide some personal information, as well as information about your vehicle, to help determine your rate.

      Additionally, drivers who get CONNECT insurance are eligible for a variety of discounts. The discounts vary by state, but you can save money by taking a defensive driving course, paying your policy in full, and having certain safety features installed in your car. Keep reading below for a complete list of discounts that CONNECT offers.

      [ Read: How Does Age Affect Car Insurance Rates? ]

      Amerprise’s auto insurance coverage

      • Full coverage: CONNECT offers full coverage car insurance, including collision, comprehensive, liability, property damage, medical payments, and uninsured/underinsured motorist coverage.
      • Roadside assistance: If you get stranded on the side of the road, CONNECT will help you pay for towing and on-site repairs.
      • Rental car reimbursement: If your car is damaged in a covered accident, CONNECT will pay for daily rental car fees while your car is in the shop.
      • Gap insurance: If your car is leased, you can purchase gap insurance from CONNECT to cover the difference in your car’s value and the remaining balance on your payments.
      • Personal injury protection: Drivers who live in a no-fault state can purchase personal injury protection (PIP) coverage through CONNECT.
      • Glass repair deductible waiver: If your windshield is damaged in a covered event, and it’s repairable, CONNECT will waive your deductible.
      • Stolen key expense coverage: This coverage, which is included with all comprehensive policies, covers the cost of a stolen key and lock replacement.
      • Accident travel expense coverage: If you get into an accident more than 100 miles from home and your car isn’t driveable, CONNECT will help you pay for travel and other accommodations.

      Ameriprise auto insurance discounts

      • Good driver (CA only)
      • Clean driving record
      • Defensive driving course
      • Vehicle safety features
      • Good student
      • Student away at school
      • College degree
      • Multi-vehicle
      • Multi-policy
      • Customer loyalty
      • Garaged car
      • Costco member discounts

      How to submit an auto insurance claim with Ameriprise

      Filing a claim with CONNECT is quick and easy. Here’s how to do it.

      1. File a claim online or call CONNECT’s 24/7 claims hotline (1-800-872-5246).
      2. Wait for a claims representative to contact you. You’ll be asked to verify what happened, provide video and photo evidence, and share the police report (if you have one). Then, the rep will review your coverage and talk about next steps.
      3. If your vehicle is badly damaged, the claims representative might schedule time for the car to be evaluated at an auto body shop. If the car is totaled, the insurance company will give you an estimate of the replacement value.
      4. If you want to repair your car, you can choose the auto body shop, or have CONNECT help you find one.

      [ Read: After an Accident, Should I Submit a Claim or Pay Out Of Pocket? ]

      Ameriprise online and mobile app

      CONNECT is a great option for people who want to manage their policy online. Their website is easy to navigate, there’s tons of features, and there’s an option for online quotes and claims. There’s also an online learning center with a few helpful articles on safe driving and car maintenance.

      CONNECT’s online tools aren’t better than Allstate’s or State Farm’s, but for most people, the tools they do offer are good enough. There is one downside—CONNECT doesn’t offer a mobile app.

      Ameriprise home, auto and life

      CONNECT offers a few different bundling options. Customers can bundle their auto and home, auto and umbrella, or auto, home and umbrella insurance for a discount on their premium.

      [ Read: What Is Umbrella Insurance and Who Needs It? ]

      Ameriprise in the news

      • In August 2020, Insurance Journal reported that Ameriprise was officially renamed CONNECT, after being acquired by American Family in a $1 billion deal. According to the article, “American Family said the CONNECT rebrand furthers its goal of transforming from a regional insurance company that sold products through exclusive agency owners to a national multi-line multi-distribution channel insurance group.”
      • In April 2020, American Family announced that it would be returning up to $200 million to customers during the COVID-19 pandemic. This included CONNECT customers, who received a one-time payment of $50 per vehicle on their policy.

      Last updated August 17, 2020 – Updated SimpleScore data.

      We welcome your feedback on this article and would love to hear about your experience with the auto insurance companies we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

      Methodology

      SimpleScore

      The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

      • Discounts
      • Coverage options
      • Support
      • Customer satisfaction
      • Accessibility

      You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

      Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
      However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

      Discounts

      We looked at the number of discounts each company offers — more discounts mean a higher score.

      Coverage Options

      We awarded higher scores to the companies that have the most coverage options.

      Support

      We awarded higher scores to lenders with the most channels for customer support.

      Customer Satisfaction

      We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

      Accessibility

      We looked at the level of accessibility of each company –– the more resources they have the higher their score.

      Elizabeth Rivelli

      Contributing Writer

      Elizabeth is a contributor to The Simple Dollar, where she reviews insurance providers and policies. She has more than three years of experience writing for top online insurance and finance publications, including Bankrate, Coverage.com and Reviews.com.