When you begin shopping around for insurance, Ameriprise is surely one of the most common names that you’ll come across with. This is because they are known for having the most solid coverage with an above-average reputation for good customer service.
With the help of Ameriprise insurance reviews such as this one, you’ll be able to learn about the good and bad of buying a policy from this company as well as what your coverage will be able to protect you from.
What Is Ameriprise Insurance Good for?
The first thing to take into consideration is what customers love about Ameriprise. The most noted advantages include:
Good Customer Service
Regardless if you are dealing with homeowners insurance or auto insurance, Ameriprise has some of the best customer services that you can expect from an insurance company. When you talk to one of their representatives, you won’t be left in the dark about your coverage or still have questions after your call.
Ideal for Low-value Homeowners
In the event that your home or vehicle isn’t as valuable as you thought, you’re still going to be able to get sufficient coverage at an affordable price.
Useful for Bundling Policies
In an effort to save money and time, many people find that bundling their insurance policies can help them to get great discounts. Fortunately, with Ameriprise, that is certainly the case.
What Are the Cons of Ameriprise Insurance?
As with any other insurance company, there are downfalls to consider and the most common complaints that customers have about the provider include:
Lacking for High-risk Drivers
If you’re someone who has a spotty driving record, or if you are a young driver looking for your first insurance policy, Ameriprise isn’t the company that you should consider. This is especially true if you want the least expensive insurance possible. People who are classified as high-risk are going to pay much more elevated rates for their auto insurance.
Not Ideal for Single Insurance Policies
As another way for this company to get more money from their policyholders, if you’re looking for a single type of coverage, you’re going to pay far higher premiums than if you were to bundle different types of insurance plans together.
What We Think of Ameriprise Insurance
Similar to other Ameriprise Insurance reviews, here, we are also going to address several things in order to help you make the best decision when opting for an insurance policy. There are some great benefits that Ameriprise offers to their customers, and it’s important that you take the time to get a quote to see if you’re eligible for the benefits. This is important if you want to bundle different types of policies together.
You’ll also find that Ameriprise has a strong reputation for customer service, especially when you take a look at complaints from customers about other insurance providers. Not only will you have a friendly and helpful person to talk to when you call in, but they also estimate quotes quickly and reassure you before making your final decision.
What to Take Away from Ameriprise Auto Insurance
Ameriprise tries to offer as many insurance packages as possible. However, when it comes to their auto insurance, you’ll easily be able to find other providers that offer the same, if not more, coverage.
It’s also easy to find rates that are either comparable or more affordable, especially if you choose insurance providers who specialize in vehicles. This is the reason why we recommend that you take the time to compare quotes from other providers.
What to Take Away from Ameriprise Homeowners Insurance
As a company that seemingly specializes in homeowners insurance, you’ll find that coverage from Ameriprise is as competitive as it gets, both in the type of coverage and the cost. People who have purchased newer homes with advanced security features will be able to take advantage of the most competitive rates.
All About Ameriprise Auto Insurance
Now that you are aware of what customers think of the company, it’s time to go over what you’ll be able to take advantage of if you decide to choose an auto insurance policy from Ameriprise.
The Standard Auto Insurance Coverage Types
- Medical and personal injury
- Underinsured and uninsured motorist liability
- Comprehensive and collision
- Property liability and bodily injury
The Benefits of Ameriprise Auto Policies
With most policies from Ameriprise, you’ll receive a variety of advantages, including:
- Streamlined Claims Processes
With 24/7 assistance, you’ll be able to report any accident either online or via phone. You can also use the online portal to manage your policy and change your payment methods.
- Accident Forgiveness
If you have owned a policy for a minimum of three years and have never been in an accident, your first at-fault accident won’t have any extra charges or fees.
- Glass Repair Waivers
If your windshield has been damaged and can be repaired instead of replaced, you can go through your insurance company, and the deductible will be waived.
- Accident Travel Expenses
For policyholders who get into an accident more than 100 miles away from home, Ameriprise will contribute to your out-of-pocket expenses for your accommodations or travel.
- Stolen Key Coverage
In the event that your car keys are stolen, you can get a replacement set with no deductible as long as the replacement is under $250.
Apart from the benefits that are automatically included in most plans, Ameriprise also has optional benefits that you can add to your policy, including:
- Comprehensive Glass Deductible
This addition will provide you with the ability to pay a low or no deductible at all for any glass damage on your vehicle.
- Collision Deductible Waiver
In specific situations, if the other driver is at fault, your deductible for collision coverage is waived.
- Towing Assistance
Opting for towing assistance would allow you to receive roadside support. What’s more is that towing costs are already covered.
All About Ameriprise Homeowners Insurance
If you’re not looking for auto insurance but interested in homeowners insurance instead, or if you are looking for both, then there are plenty of things to take note of, such as:
The Standard Homeowner Insurance Coverage Types
There are several different types of coverage offered by Ameriprise, including:
- Other attached/unattached structure coverage
- Dwelling coverage
- Additional living expenses
- Personal belongings
- Personal liability
- Valuable items insurance
- Medical payments
The Benefits of Ameriprise Homeowners Insurance
Included in most plans, depending on where you live and state regulations, you’ll have access to the following benefits:
- Protection Against Identity Theft
With Ameriprise Homeowners Insurance, you get to receive coverage for identity theft costs up to $5,000.
- Check and Credit Card Protection
Thanks to Ameriprise, you are entitled to receive coverage if your checks or credit cards have any unauthorized use.
- Protection Against Food Spoilage
In the event of a power outage where you lose your food due to spoilage, you’ll be able to collect $500 worth of coverage.
- Lock Replacement
If your home has been affected by burglary and has been broken into, your insurance company will cover the costs of replacing your locks up to $100.
Final Thoughts
As an insurance company that is clearly in the business of making sure that most drivers and homeowners are able to get full coverage both for their vehicles and their homes, Ameriprise is a fantastic choice for a lot of people.
However, if you’re someone who has a poor driving record or are looking for one policy compared to two, know that you’re going to have to pay a lot of money for your premiums. It’s always important to consider other reviews apart from Ameriprise Insurance reviews to make sure you’re making the right decision for your coverage.
