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Ameriprise Home & Auto Insurance Customer Reviews

2 stars out of 5 based on 8 reviews from actual customers


Overall Rating22222
Price2.572.572.572.572.57
Service22222
Claims2.332.332.332.332.33

Ameriprise Home & Auto Insurance is a subsidiary of Ameriprise Financial, Inc.

They do not advertise like other insurance companies, which is why most have never heard of them. Instead, they market their home and auto insurance as a product in partnership with other companies. They believe that this method of selling, and the lack of spending on advertising, allow them to keep their insurance more affordable for their clients.

Even though they are not as known as the other insurance companies people hear about through advertising; they are still a good insurance company, and they have the awards to prove it. They have an “A” rating with A.M. Best for financial strength, stability and fiscal operations. They were also ranked by J.D. Powers and Associates as one of the top 5 auto insurance companies for customer satisfaction in 2011.

If you have had Ameriprise Home & Auto Insurance, leave a review about your experience, good or bad.

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Reviews (8)

  • Louie

    |

    Overall Rating 55555
    Price 44444
    Service 55555
    Claims 55555

    so far so good. battery died and called to get a jump start. I was told it was going to take at least 45min but I only waited bout 20 min the guy was very helpful. He told me what was wrong with the battery, had a bad cell that’s why battery died. I went to my reg. autoshop to make sure if that was it and it was. but overall ameriprise has great customer service and was very helpful from beginning to end.

    Reply

  • ma

    |

    Overall Rating 11111
    Price Not Rated
    Service 11111
    Claims Not Rated

    roadside assistance has not been good. at least i have not been stranded at the side of road the 2 times i’ve needed them. 1st time, stuck in mud – 3 hours before tow truck showed up and then the driver demanded extra money and was very hostile. 2nd time, locked out of car – waited an hour and was told the service provider never could contact their driver and it would be another 45 minutes before the next provider could arrive. who knows if they would have showed up? i called a locksmith on my own. very disappointing.

    Reply

  • Brittany

    |

    Overall Rating 11111
    Price 33333
    Service 11111
    Claims 11111

    I was involved in an accident, a month after switching to this insurance company. I never said I was not at fault, but I said the other person was at fault as well, we both made a change in an intersection (me trying to get out of the intersection before the next light changed) and the lady that hit me just didn’t want to wait at the light. The original agent I spoke with said for sure, it’s not all on me, she saw the intersection, saw all the details, took a recorded statement. Said I will get a letter/phone call within a week following up. 2 weeks go by, I leave a message on her voicemail. Another week goes by, yeah she’s not with the company anymore and noone decided to return any of her calls or pick up her clients. The new guy I spoke with said no matter what, I am 100% at fault. Again, not saying I am not at fault, but when 2 people do something wrong which causes a slight accident (my car had no damage, she had markings from my bumper so nothing major) and he basically said “If a car is parked illegally, it doesn’t give you the right to ram into it”. First of all, check your attitude, and secondly, that’s not even what happened in the situation so comparing the 2, not right. I told him what the original adjuster said and he said “well, she’s not here anymore so it doesn’t matter, I’m telling you this. We’ll send you a letter” then hung up. ABSOLUTELY HORRIBLE. So needless to say, I’ve never had an accident or a ticket and now something like this raised our rates $30/month. I tried to have this re-evaluated by a new adjuster, but I worked in Work Comp so I know how the adjuster to complaints to re-evaluations go so I was basically wasting my breath. I wish whoever I was working with didn’t absolutely hate their job because then I probably would’ve been treated better.

    Reply

  • TS

    |

    Overall Rating 11111
    Price 11111
    Service 11111
    Claims 11111

    I’ve been with Ameriprise through CostCo for home and auto for about 13 years. Very satisfied with rates and claims process until now. They jacked our auto rates by 155% for no good reason. No recent tickets, accidents or claims. I can’t get away from these clowns fast enough.

    Reply

  • Nicole

    |

    Overall Rating 11111
    Price 33333
    Service 11111
    Claims 11111

    Their claims process is a joke. They are very vague and don’t want to help you. I hit a dog causing over $2,000 in damage to my car. When I was reporting the accident and told them my vehicle needed to be towed, they told me I had to ser up the tow. Also, I had to out of pocket the tow if the tow company wouldn’t directly bill ameriprise. I asked don’t you have companies that you’re contracted with? Well no, but we will reimburse you. Worst experience with an auto claim ever. Thankfully I have roadside assistance through OnStar and they towed my car. They further drug their feet with the appraisal. I had to continue to call and have them extend my rental car. Now, the radiator that was replaced in October has blown a hole in it, and this nightmare begins again. I will be changing insurance companies even if I have to pay a bit more.

    Reply

  • ameriprisescam

    |

    Overall Rating 11111
    Price 11111
    Service 11111
    Claims 11111

    One of their clients collided with our car. The police issued their client a ticket, hence they were clearly at fault. Ameriprise offered to pay us 50% of the damages and 50% of the car rental while the car was being repaired, even though there is no question that their client is at fault. Ameriprise did not attempt at all to justify their position. I hope everyone that reads this questions whether Ameriprise will think carefully about the ethics of this company. Here’s the email we received from their customer representative:

    “Dear Mr.:

    The initial review of the damages and estimate with statements from all parties, we have offered to cover 50% of your damages to your vehicle and 50% of basic transportation if needed while your vehicle is being repaired?. We do have some room to move, however we would not be able to cover 100% of your damages’.

    Thank you,”

    Reply

  • FAB

    |

    Overall Rating 11111
    Price 11111
    Service 11111
    Claims Not Rated

    I switched to this company when Farmers hiked up my insurance dispite the fact I never entered a claim nor did I ever miss a payment. Ameriprise was worse. After 2 years with them they jacked my premiums 70% on my home and auto. When I complained the rep just read from the same form letter that I had received in the mail. The letter is vague with wording like “Implemented a rate revision in your state” and driving history and anuuual mileage that I feel should not apply to me since I live so close to my job and walk most of the time.
    The bottom line. They raised the rates for no good or accurate reason!

    Reply

  • Julie A

    |

    Overall Rating 55555
    Price 55555
    Service 55555
    Claims 55555

    I have been with Ameriprise for my auto and home insurance for four years. I switched to Ameriprise because after being with Progressive for seven years, they hiked their rates on us due to other people having too many losses. I did not agree that I should be penalized for other people’s mistakes since my spouse and I had been what we felt long-term customers with clean driving records. M

    y mom told me to check into Ameriprise. Ameriprise offers a discount if a you are a Costco member. We received a 33% discount from being Costco members and also another discount for purchasing our homeowners insurance through them as well. There were also the typical discounts, such as multi-car as well. In addition, we received more coverage for less. We had one claim in December 2010.

    My husband and another vehicle were involved in an accident causing the drivers front end of my minivan to be crushed. Luckily nobody was injured. The experience was probably the least stressful experience I have ever had. There was a miscommunication with the towing company, resulting in a delay. The claim adjustor quickly resolved the issue and we were onto repairs. Ameriprise gave me the option to either total the van, or invest in repairs.

    I had only had the van for a year and did not want to let it go. Worried our rates would increase due to a $6,000 claim for my van to be repaired, I held my breath when I opened the renewal letter in February 2011. Our insurance did NOT increase even $1.00! I then figured, well, maybe it takes awhile for these things to flow through the chain of commands for a rate increase. Again, at August renewal, I held my breath – again, no increase.

    To date, we have yet to see any type of rate increase on our auto insurance coverage. I would highly recommend Ameriprise to anyone looking for affordable coverage. I never really see any marketing for them and perhaps that is a reason they are so affordable. The only marketing I see is at Costco. Before my mom recommended I look into them, I had no idea who Ameriprise was.

    I had only known of the “bigger” insurance carriers, such as Progressive, Allstate, Geico, Nationwide, and State Farm. Do not doubt Ameriprise, assuming they are low players in the insurance industry. They are smarter that others by not investing in all the overhead (the commercials for the head honchos are really old and annoying). Check them out and give them a chance. See how much they can save you!

    Reply

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