What discounts does Ameriprise offer?

Looking for Ameriprise discounts? Did you know Ameriprise offers more than 15 discount categories to their auto insurance customers?

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Things to remember...

  • Ameriprise offers 18 car insurance discounts to its customers
  • Drivers must comply with their state’s insurance requirements
  • Shopping around may help you to determine if Ameriprise offers the best rates available for your car insurance needs

Driving without car insurance is not advisable. After all, most states require drivers to obtain at least a minimal level of liability auto insurance. Some auto lenders also require their customers to obtain additional coverage as a term of the loan, and you would be in default of the loan terms if you do not comply with this requirement.

It is common for drivers to purchase more than the minimum type and level of coverage to avoid financial loss in the event of theft, a car accident, and other issues. After all, the cost associated with a single damaging event can be devastating for a motorist to deal with, and the right car insurance coverage can reduce out-of-pocket expenses dramatically.

Make sure you aren’t paying too much for auto insurance by using our free insurance comparison tool!

Choosing an Auto Insurance Company

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Ameriprise is just one of several auto insurance providers that you can purchase auto insurance from. The company was established in 1894, and it currently serves millions of customers with its financial services and insurance products.

Ameriprise has a great reputation for serving its customers well and for providing excellent coverage at a fair price.

You may be thinking about contacting this provider for a quote, but you should be aware of all of the factors that will be analyzed to determine your car insurance rates. Regardless of which provider you request a quote from, providers review the following factors to determine your rate:

  • Your driving record
  • Your credit report
  • Where you live
  • The details about the car that is being insured
  • How much you typically drive
  • Your requested coverage types and limits

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Setting Up an Affordable Car Insurance Policy With Ameriprise

If you are thinking about getting an insurance quote from Ameriprise or from any other auto insurance provider, you may be able to save money on your policy in different ways. For example, you can:

  • Opt for a higher deductible
  • Adjust coverage types and limits
  • Move to a more affordable zip code
  • Choose car that is more affordable to insure

In addition, there are numerous discounts available through most insurers that you can take advantage of. Ameriprise currently offers its customers 18 discounts, and learning more about these discounts may show you how to save even more money on your premium.

Vehicle-Related Discounts

The vehicle that you drive can play a major role in your safety on the road. While the vehicle will influence the rates, it may also affect discounts that you can qualify for. If your car has any of these exceptional features, you may qualify for an additional discount through Ameriprise:

  • Passive restraints
  • Vehicle recovery
  • Anti-lock brakes
  • An anti-theft system
  • Daytime running lights

You may also qualify for a discount if you regularly store your vehicle in a garage.

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Driver-Specific Discounts

While some of the auto coverage discounts available to you through Ameriprise are directly related to the car that you insure, others are more specific to you as the driver. For example, if you have no claims on your driving record or if can otherwise be classified as a safe driver, you may qualify for additional savings on your premium. A few of the other driver-specific discounts that you may qualify for include:

  • A distant student discount
  • A further education discount
  • A good student discount
  • A loyalty discount

Bundled Coverage Discounts

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Ameriprise offers a full range of products and services for its customers to benefit from, and you may save money by bundling your auto coverage with other products that it offers. In addition, adding another driver or vehicle to your existing auto loan policy may entitle you to more savings.

It is wise to request a quote from Ameriprise for all of the coverage types you need so that you can fully determine how much money this company could potentially save you when all factors are considered.

Billing Discounts

Another way to save money through your Ameriprise auto insurance policy relates to billing. You can request paperless billing to enjoy a small discount on your coverage.

If you choose to pay your premium in full or if you set up automated withdrawals for monthly payments, you can also save a small fortune on your premium through different types of discounts.

As you can see, there are numerous discounts that you can qualify for through Ameriprise. By combining multiple discounts together, you may be able to save a substantial amount of money on the coverage you need.

Shopping for Auto Insurance

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Because Ameriprise offers competitive rates and numerous discounts for its many customers, you may find the best coverage option available through this company. However, the only way to ensure this is to compare at least three or four different quotes.

Because rates and qualifications for discounts can change periodically, make plans to shop for new rates every six months if you want to save money on your coverage.

As you shop for new rates, keep these tips in mind:

  • Determine your desired coverage types and limits before you start shopping.
  • Always request the same coverage types and limits from each provider for easier comparison.
  • Only request quotes from financially sound providers.
  • Review consumer comments about providers before you request a quote.
  • Inquire about discounts that you may qualify for with extra time and effort, such as by taking a driver’s education course.
  • Shop online to save time and effort.

While Ameriprise is a reputable insurance company that has competitive rates available for customers across the country and beyond, it may not always offer the best deal for the coverage you need.

After you request a quote from Ameriprise for a new auto insurance policy, follow the same steps to request a quote from a few other providers as well. By taking these steps, you may be able to identify the right provider to buy your next auto insurance policy from.

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