{"id":324992,"date":"2025-11-11T18:01:26","date_gmt":"2025-11-11T23:01:26","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=94621"},"modified":"2025-11-11T18:01:27","modified_gmt":"2025-11-11T23:01:27","slug":"ameriprise-financial-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/ameriprise-financial-review\/","title":{"rendered":"Ameriprise Financial Review"},"content":{"rendered":" <\/span>\n \n\n\n

Ameriprise Auto & Home Insurance now operates as CONNECT, powered by American Family Insurance<\/a>, and it checks the key boxes we look for in car insurance: well-rounded coverage options, competitive pricing potential, and accessible service. For financial strength context: Ameriprise\u2019s life insurance subsidiaries \u2014 RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York \u2014 are rated A+ (Superior) by AM Best<\/a> (outlook Stable), per RiverSource<\/a>; the auto and home policies discussed here are issued by CONNECT\u2019s American Family Connect companies. <\/p>\n\n\n\n

What makes CONNECT stand out today is a mainstream set of auto coverages with popular add-ons \u2014 such as roadside assistance and rental reimbursement \u2014 and a broad portfolio of discounts (multi-policy, multi-vehicle, safe driver\/claims-free, student, equipment, and billing\/payment). See CONNECT\u2019s current auto coverages<\/a> and auto discounts<\/a>; with the right mix, most drivers will be able to save a few bucks on their policy.<\/a> <\/p>\n\n\n\n

So, is Ameriprise the best car insurance company for you? We stand by CONNECT\u2019s solid, high-value coverage options and reputable parent-brand backing \u2014 but remember, auto insurance rates are highly personalized and have risen industry-wide in recent years (motor vehicle insurance CPI<\/a>). You\u2019ll have to compare quotes from multiple providers to find your best offer. We suggest including CONNECT (formerly Ameriprise Auto & Home) on that list. <\/p>\n\n\n\n

The Claim<\/h3>\n\n\n\n

CONNECT\u2019s pitch is straightforward: competitive pricing, dependable coverage, and support when you need it. <\/p>\n\n\n\n

Customers should expect coverage that\u2019s comprehensive and competitively priced, plus service options that make managing policies and claims easier. <\/p>\n\n\n\n

Is it true? <\/h3>\n\n\n\n

Yes. <\/p>\n\n\n\n

What CONNECT promises in terms of coverage, it delivers: the standard liability suite, comprehensive and collision, uninsured\/underinsured motorist, and medical payments and\/or PIP (where required), along with common endorsements like roadside assistance and rental reimbursement (details<\/a>). It also offers options such as gap insurance<\/a> and, in some states, new car replacement; availability varies by state and policy, so confirm at quote time. <\/p>\n\n\n\n

As far as customer experience, third-party results vary by region and methodology. In J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>, State Farm scores above segment averages in many regions, Progressive is mixed to below average in several, and American Family (CONNECT\u2019s parent brand) tends to be around the industry average depending on region. Consumer Reports<\/a> member surveys are another useful reference point. Meanwhile, digital claims tools continue to improve across the industry, aiding speed and transparency (J.D. Power Claims Digital Experience<\/a>). <\/p>\n\n\n\n

On affordability, remember that base rates have climbed across the market in recent years as claim costs rose; discounts and usage-based programs can help offset pricing for many drivers. We recommend getting a quote from CONNECT as well as a few other providers to see how options stack up before buying. <\/p>\n\n\n\n\n \n \n

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\n Ameriprise Auto Insurance\n <\/div>\n\n <\/div>\n\n
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Product Overview<\/h2>\n\n\n\n

Best for<\/h3>\n\n\n\n

Costco members and value-focused drivers seeking mainstream coverage and bundling discounts via CONNECT <\/p>\n\n\n\n

Not for <\/h3>\n\n\n\n

Drivers in states where CONNECT isn\u2019t currently offered; check current state availability<\/a><\/p>\n\n\n\n

Features <\/h3>\n\n\n
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\n Price\n <\/td>\n \n Quotes differ from person to person<\/font>\n <\/td>\n <\/tr>\n
\n In business since\n <\/td>\n \n 1894<\/font>\n <\/td>\n <\/tr>\n
\n Number of states served\n <\/td>\n \n 44<\/font>\n <\/td>\n <\/tr>\n
\n Standout features\n <\/td>\n \n Gap coverage and new car replacement
Windshield repair with no deductible
Key replacement with no deductible
Lifetime renewability for Ameriprise Financial clients
Accident forgiveness and merit ratings<\/font>\n <\/td>\n <\/tr>\n
\n A.M. Best financial strength rating\n <\/td>\n \n A<\/font>\n <\/td>\n <\/tr>\n
\n Moody\u2019s financial strength rating\n <\/td>\n \n A3<\/font>\n <\/td>\n <\/tr>\n
\n S&P Global financial strength rating\n <\/td>\n \n A<\/font>\n <\/td>\n <\/tr>\n
\n J.D. Power 2018 U.S. Auto Insurance Study rating (California region)<\/a>\n <\/td>\n \n 862\/1,000 (above industry average) <\/font>\n <\/td>\n <\/tr>\n
\n Discounts\n <\/td>\n \n Accident-free and merit-based
Good student and student away at school
Safety features on your car
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Good range of coverage<\/h4>\n\n\n\n

Our baseline standard for the best auto insurance<\/a>: It must cover injury and property liability, collision and comprehensive, uninsured or underinsured motorists, and personal injury protection. CONNECT meets these needs and offers common add-ons like roadside assistance and rental reimbursement (see coverages<\/a>). <\/p>\n\n\n\n

We\u2019re impressed with CONNECT\u2019s selection, which goes beyond basic liability to protect drivers and passengers \u2014 new, old, or rented vehicles \u2014 with options that vary by state. Some endorsements that are less common in the market (e.g., new car replacement) may be available in select states; confirm at quote time. <\/p>\n\n\n\n

CONNECT auto insurance coverage options:<\/strong><\/p>\n\n\n\n