Ameriprise Auto & Home Insurance Reviews and Customer Comments

"Ameriprise is very unprofessional if you make a claim. They bounce you around and under estimate claims. I have been working for over 5 months to get a home claim settled (less than 10,000). I have had to hire a public adjuster to help to get a fair settlement and file a grievance with the state dept. of insurance."

"They will not tell you about secret policy loops and try to take more of your money. I havent had a claim yet, I hope I never have to if they are as bad as their customer service. They told me of a refund several times, I never saw it. They gave me exact deposit dates, I never received them. LIARS!"

"They pretend to save you money but when its time for a claim they pay very bad"

"At first renewal notice they increased premium by 35%. When we called, so say that nothing had changed from when we join six monthes earlier, they said that nothing could be done. Deffinatley a bate and switch scam to join. Stay away from this company!"

"I decided to use this company because its association with Costco. So disappointed with the way they handled my case. We had AAA before the accident. Regret that we changed the insurance. "

"Auto insurance service is horrible. Submitted a flood claim and Ameriprise responsiveness was horrendous. It took more than 1 month to get my car fixed because of the incompetant claims agents/ advisors. The repair shop even commented on how slow Ameriprise was to respond. Unbelievable."

"I have had Ameriprise Auto and Home insurance for 5 years now. In May there was a hail strom and everybody in my neighborhood is getting their roofs replaced. I called Ameriprise and they sent out an adjuster who said I only had damage on the right side of my roof and they would not pay. I will not renew my policy and I will not recommed this company!!! "

"I had an accident on 8/25, on 9/22 the claims rep informed me that she could not pull up a police report off the internet so no claim with the other persons insurance company was filed. I had to pull up the police report and fax it over to ameriprise, after they recieved the report and finally contacted the insurance company of the person who hit me they informed me on 10/22 they were having no luck and maybe I needed an attorney to contact the insurance company. I had to continually call until I reached higher up the food chain in ameriprise until something was done."

"I think for my claim which was a very easy one that they seemed a bit slow. It took them one week to authorize the repair which was then completed the same day by the body shop."

"If you dont understand your insurance ask someone to explain. I have had no problems and will stay."

"Not only are the agents severely INCOMPETENT, rude, and without tact, they also never respond to any phone calls or e-mails. I nearly lost my house because they cancelled my policy without letting me know and my mortgage company almost stopped my loan! What kind of company leaves a valuable customer of 7 years high and dry without any warning. I will never deal with the company again!"

"Slow, incompetent and unprofessional"

"They are happy to take my money and pathetic at paying me what is the law after I was rear-ended. Must we always go to court to make insurance companies do what they are suppose to?"

"I rank this company high in servicing my auto policy and in my recent episode being rear-ended. Compared to State Farm, which I had for over 2 decades, this company has been great to work with and much more efficient and responsive."

"Purchased a new condo and insured it with Ameriprise. Were unfortunate enough to have a casualty prior to moving in, but after we had closed and paid our premiums. Ameriprise denied our claim even though the units above and below us had identical damage and their insurance companies covered their damages. Stay away from this company. I understand that we had not paid a lot of premium since we were new home owners, but that should not matter. Our policy was active so we deserved to have our loss covered."

"The advisor seems nice and helful. no problem yet"

"*Excellent* customer service!"

"They start u out at a good rate but do not have an accident that is over $1000.00. They take your good driver discount away which you expect and is explained to u in advance. What they do not tell u is that they will hit u with a 55% (sur charge) increase for at least the next 3 years. If you have a minor accident over 1 grand they will pay out but they will make sure they get it back and more. This may not be true in all states but is true in Ca. They will refer you to the deal that Ca. made with the insurance companys woth prop 103. They will not tell you about it until you make a claim because they stand to make more in premiums as soon as u make a claim. Ask all companies about a sur charge in ca. before u sign with them. "

"Cant say how the co. is on the wrong end of things. But, I can say they were cheapest thing going. They were cheaper than AAA (and not by a little. By a lot. Almost half) and I had increased coverage, to 250k in liability; compared to the basic 30/60/30 with AAA. And, for the record, AAA was 1/2 what farmers was for 30/60/30. "

"My rate has changed twice since I joined this company and the company has threaten to change it again. I wish I had not left my old company"

"Great Rates and Good service."

"Filed claims on 2 accidents (one at fault and one not at fault). Handled both promptly, fairly, and everyone we dealt with was friendly and very helpful."

"Car was damaged (totaled) in a salt water flood / tidal surge -- undercarriage completely rusted out with over $45K in damages. They refused to accept the claim. Ended up having to bring suit against the company. Ameriprise contended that they do not cover "chemical reactions" from salt water intrusion, though this exclusion is nowhere in the policy. They settled, and to their credit, provided a fair amount for replacement. Still, was without a car for 5 months while this worked its way to resolution. Very stressful. And required a lawyer. "

"The premiums are very cheap, but not worth it. We have a claim pending now and we are having a hard time getting our car fixed. It has been in the shop for almost 5 weeks!!!!!"

"Their affairs seem shoddy, I added a friend to my policy and was told my premium increased marginally. Then I get a survey in the mail, I fill it up and my premium jumps. I call them and figure out that I made an error, I offered to correct it, they say if I provide proof, I would be given credit from day one. I submit the proof and I only get a partial refund and then two people try and convince me that I was not informed correctly. They spend time with me on the phone for the longest time and at the end the same answer. God forbid if I had to submit a claim, what would they have done with me. I am never going back to them even if I pay higher outside since no fun in having an insurance company which doesn't really know what they are doing."

"They are inexpensive compared to every other company we looked at for Auto and also for homeowners. I have made some minor claims and had no problems. "

"Very timely response with compensation paid."

"I called the company for guidance after mother nature struck the area and ended up having several claims in my file. We repaired the damage and did not submit any claim at all, however, we are still seeing active claim status in our file at Choice Point even if the claims were zero-amount. And now when I shop for another insurance, my quote was usually higher because of the claims. Yes, even a zero-amount claim is considered an eyesore. I have spoken with the homeowner claim supervisor hoping that they could present a more neutral data, but the supervisor replied "a loss did occur whether or not payment was issued". Go figure."

"NOT RETURNING PHONE CALLS"

"They are customer service incompetents and financial cretins."

"I've had two claims now. One was for an auto glass claim and the other was around a $2,000 front end claim. The auto glass claim required zero paperwork and they paid Acura to come out and replace the glass the next day. The second claim involved one quote from a repair shop I selected and they worked out all the details and had it back to me within a week. Our rates haven't gone up as a result, and the price remains competitive."

"Haven't had to file a claim, however, the customer service is excellent. Answer the calls quickly and the rates are the best around. Would definitely recommend."

"I had one accident, not my fault, and they were very swift to handle the claim. My rate remained unchanged"

"Customer Service and Claims handling are excellent - No hassle about adjustments, etc.. But Price is expensive for some people (me in particular); 1 ticket, 1 accident. "

"Low premiums - Excellant Service & Coverage"

"Theives. I had to contact the police and my bank as they continued to take auto withdrawals out of my account for months after I cancelled my policy and switched carriers. this was after they pomised they would look into it on 3 occasions? To many good insurance companies to choose a bad one. My mistake, your lesson. Claims also not going to happen. Put your safety in the hands of a company that responds to youor needs not theirs...it is called insurance not premiums for nothing."

"We had a fire in our home due to our dryer malfunctioning while no one was at home. Ameriprise was WONDERFUL to us! They were prompt and professional. They called us within 30 minutes of being notified by the Fire Dept. and had a place for our family to stay within an hour. They were completely compassionate and handled our claim very well. I would recommend this company to anyone, and now most of our family have switeched their auto and home coverages to Ameriprise after seeing how our family was treated during our difficult time. "

"They were extremely difficult to get in touch with. It took way too long to process. I was really disappointed with my experience overall."

"I was hit by a man being chased by the police. After the accident he got out of the car and fled on foot, never to be caught. My car was totaled and my wife and I both sustained minor injuries. Ameriprise was quick to replace my vehicle (I only carried liability and uninsured motorist) they also promptly took care of the medical bills and closed the case with a generous pay out from the uninsured motorist for pain and suffering. I would definitely recommend if one is looking for a company they can rely on in a time of need. "

"We have had our car and home insured with Ameriprise for over 19 years. In the last 2 years we have had 3 claims...none in any of the years before that. Two of the claims were from hail damage and lightning. The lightnening stike destoryed most of our electronic equipment in our house and they gave us less than $1,000. In July our dog bit a girl that ran through our yard. The girl was on our property, which is posted, and our dog was on our property. They are cancelling our homeowners policy on our renewal date. They don't mind taking our money for 19 years, but when they have to pay a couple of claims they cancel us. They said they will keep our car ins....I don't think so....not a chance! Don't put your money and trust in this company!"

"Our city had 80 mph winds from Ike and they sent out a professional and reputable restoration company that stated we had severe roof damage to over 85% of our roof. When their adjustor came out two weeks later he said that our damage was less than $500. His English language capacity was limited and I'm sure his knowledge of roofs was as well. Our claim was denied. I'm not done with them yet. The power of the internet will prevail."

"Turn around, hit the "BACK" button on your browser, lock your doors, batton down the hatches, do not pass go. DONT EVEN THINK ABOUT GETTING A POLICY WITH THIS COMPANY. THEY ARE THE WORST!!!!! THE WORST!!!!"

"THROUGH COSTCO, MY INSURANCE IS FAR LESS EXPENSIVE THAN ANY OTHER THAT I'VE INQUIRED INTO."

"someone did a left turn in front of our vehicle. the resulting damaget o our car is over $5,oooo. Ameriprise wants to blame us for a contributory of 10% even though Washington law says that their insured is 100% at flaut.. their investigators are the biggest bunch of jurks.. Don't buy Ameriprise you get what you pay for. bad service.. you will be in court long before amiaprise settle the claims.. Costco Shame on you for offering such a bad product."

"The good thing about Ameriprise (I got the policy through Costco) is the low price. I save a thousand dollars a year over AAA and Allstate on their auto policy. The homeowners’ premium was actually a little higher than Allstate, but the overall savings combining the two policies made up the different. I have had to file claims with both auto and home departments of Ameriprise. I lost many things in my home due to a lighting strike (power surge) near my home Ameriprise took care of it quickly and fairly. I was very happy with that. I had a car stolen and filed a claim with Ameriprise Auto. The first 30 days they paid me $14 a day for car rental. After 30 days, they told me that they were not dome investigating my case but that they would not continue to pay for my car rental. Had I known that was the case I would have bought a car right away instead of renting because I have paid $1000 in rental fees by the time they settled my claim. Most of the top insurance companies will pay off after 30 days, but not Ameriprise. They told me that they did not have to pay until the investigation was done and if that took a year so be it. I would have switched to another company but their premiums was so low compared to everyone else I decided to stay. Service on auto is not great but the price is."

"I filed a hail damage claim with them. They sent out some company to access the damage. The individuals were incompetent and tried to deny my claim of hail damage. It was apparent my house had hail damage on the roof as the roof leaked. My van suffered over $4k in hail damage alone while outside. They would not replace my roof which leaked from the hail damage. They incompetent individuals even tracked in dirt on my carpet !!!"

"It's more expensive than others, but I've been happy with their service and payment on a claim. They didn't raise my rates even though I had a cliam either."

"vert slow response"

"Best insurance company I've had."

"agents impossible to reach and very slow to return phone calls, it added to an already stressful situation."

"Ameriprise has absolutely no interest in maintaining the well-being of its insured."

"Ameriprise made an unauthorized charge to my American Express card (they used to just charge the premium automatically at every renewal period) even after I terminted my insurance for almost 3 years. It has caused my American Express acct to go to collections because I was unaware of the charge. Do not use Ameriprise. Extremely unprofessional."

"Ameriprise Insurance Company as administered through Costco Wholesale Warehouses is a horrible company to deal with. They are ruthless not only with third-party claimants but also to their own policy-paying clients. I had an auto claim which required substantial legal intervention. I would strongly advise anyone to stay away if you truly value you life , the lives of loved ones and the maintenance of your hard-earned property."

"Report a windshield claim on my 2007 BMW 750. I was told by two glass companies that they did not want to repair the windshield because of the liability and the other said because of the material they would be need he didn't have. I told them that I'd like to get it replaced by the dealer after hearing what both of their recommended shops said. They told me that I'd have to pay first and wait to see if I was reimbursed anything. Piss on them, I canceled my policy today and returned back to ESURANCE. I only left because of Ameriprise low price."

"DO NOT use them just because their low premium. You'll feel sorry when you file your first claim. My real life experience, they were unwilling and incompetent to act on my behalf when I was victim of a non-fault accidnent. Because I paid the repair cost in advance and they were supposed to help me get refund from the other party's insurer. But I guess it's not their money so that just let me waited for a few month and then came back telling me there's nothing they can do to help me. Also there's only 1800 number and always answering machine when you call. I had enough of their "service". I wish Costco get enough complaints to part with Ameiprise soon. "

"My daughter was in an auto accident 9 months ago. Ameriprise still has not paid the bill, even though medical is covered by the policy. We keep getting one of two stories: 1. Haven't received bill from the hospital (we have documentation of when it was sent-three times) 2. Health insurance needs to pay first, then they'll kick in the rest (so why am I paying for medical?) Also, they reassigned members of our family to cars which made our insurance double when our youngest son got his license! No credit for drivers ed or anything. No breaks for the kids in our family in their 20's with no tickets, no at-fault accidents, etc. Also, when we moved here and purchased the policy they did not tell us that in this state one has to purchase uninsured motorist insurance separately. We thought we had everything covered, but when our daughter was in the auto accident (hit and run) it totaled her car and we were out the entire cost of the vehicle. I never get a straight answer so am switching as soon as the hospital bill is paid. "

"For years I was with American Family until we moved to GA and they don't offer coverage. We went with Ameriprise because of the low rates. I haven't had to file an insurance claim for over 15 years and had a spotless record until now. 1 month agow we filed a claim under our homeowners policy for roof damage. Ameriprise had everything settled and payment made within 72 hours. Yesterday, I got into an accident and now have to file a claim on that... Although we are still in the process, they have been fast, responsive and polite. I know I am looking at major rate increases come renewal time and my previously perfect recored is shot but I have to say, Ameriprise has been great so far. I will stay with them as long as things go smoothly and the increases aren't offensive. "

"My daughter's vehicle was hit by a hit- and-run driver, totalling it. She ended up in the ER. It has been 8 months and the medical bills have still not been paid. THere is always an excuse. Also, we were not informed when we bought the policy that in this state we need separate insurance for uninsured/underinsured motorists; it was covered under collision in our previous home, so we also lost the car without any reimbursement. When the company was contacted, they admitted that happens pretty often! We are in the process of switching now. This was offered under the Costco umbrella of services, but I would not recommend it to anyone. "

"I have a condo policy with Ameriprise which used to be covered by IDS, but changed recently to Ameriprise. My bedroom ceiling caved in due to a plumbing failure in a roof drain. There was extensive water damage. Ameriprise claims adjustor notified me 4 days after the incident that my condo policy did not cover the interior damage since it was not one of the 17 named perils in the policy. Meanwhile, I had brought in a disaster cleanup company, which was recommended by Ameriprise to dry out the bedroom and we stayed up all night to bail out water. Ameriprise told me that they will not cover the drying out costs since it's not covered under policy; they said they only recommended that we contact the disaster cleanup company, and it was not under "the insurance company's instruction". I asked Ameriprise what it would have taken to cover this cost, and they said they don't even offer any such coverage. My condo property management company is saying they won't cover any interior damage because that's the condo owner's responsibility. Ameriprise should have notified us as soon as we filed the claim what was covered and what wasn't."

"They are a bunch of crooks! They have no morals or ethics."

"I found out AFTER this company issued me a policy that they raised my rates based on "negatives" in my credit report. My credit score is around 760; I have 32 accounts, all paid monthly for decades, not years and all open to charge. But they said I had "too many accounts." What sort of reason is paying all your bills for an increased risk charge? (Note I have had one claim with them; it was for a stone chip in my windshield; something I reported to save the company money.)"

"I had an auto policy with Ameriprise for 6 years. During that time I had an accident that was not my fault. They were very quick to send me a check and go after the other party. Support was very good though the whole experience. Interestingly I switched to Ameriprise after a similar accident 6 years prior when I was hit by a city bus and my insurance company at the time (American Insurance) left me high and dry even though it was not my fault. I left Ameriprise only because I moved to Phoenix, AZ (where auto insurance rates are very high) and their rates were much higher than GEICO."

"We have had several claims with our Auto ins., and one with our homeowners ins. We have been extremy satisfied with their service and outcomes. The rates are very competative, we cannot find anything for less."

"Don't use them. they are unfair. Read the policy carefully their wording is tricky. for homeowners policy read the perils list they insure against, if its not on the list they won't cover it or your personal belongings. "

"The claims process, the repair work done, and the cost of the insurance are all excellent but, after moving to a different state and calling to change my address, everything got very ugly. The agent on the phone siezed the opportunity to write an entirely new policy dated that day while my old, paid for, policy was still in force. Now I had two policies that they didn't hesitate to bill my credit card for both AND send all the new documents to (you guessed it) my old address. What a nightmare created by an inept agent that took me two weeks of phone calls to my credit card company and the insurance company to straighten out, I think. I still have not received the new insurance certificates at my new address after one month. If you can deal with these kinds of headaches, you can probably save some money. "

"I am not insured by Ameriprise, but I was hit by someone who unfortunately is insured by them. While everyone I spoke to is extremely polite and rather friendly, they're completely unable to get the simplest things done. I was instructed to direct bill a rental car, which I did. The rental company, Budget Rent a Car billed Ameriprise, only Ameriprise never bothered to pay the bill within 60 days, so now Budget has billed my credit card. Additionally, they offered a settlement for injuries, which we accepted, however, every time we call to let them know we accept, we get a voicemail. And despite, leaving multiple messages to let them know we accept, we still get calls back, days later each time, asking whether we accept or not. So as friendly as all their employees seem to be, it would help if they could actually do their job. "

"As a Costco Executive member you can't beat the price or the perks! My husbands truck broke down on a busy California highway on Labor day weekend. We used the free roadside assistance. They were wonderful! The customer service agent was extremely nice and made things happen fast. Free tow and assisted to find the best dealership to tow to. "

"I recently purchased auto insurance from Ameriprise through costco and had about the worst customer service experience. The issue was that when I paid for my insurance online, I elected to pay 5 payments because I was lead to believe there would not be any fees. Upon looking at my credit card statement, the charge was $4 more than what was supposed to be charged. When I called customer service, I was informed that there was a pop up that says there will be a convenience fee charge. I have a pop up blocker and I know many others do as well. No where else did it say that there will be a charge or that I should disable pop up blocking. I simply asked for a refund. I thought that it should be simple since it is only $4 and clearly their website is lacking. Instead, I got the run around, transferred to three different people, put on hold, told that they can't do anything about it. If they're willing to fight for 2 hours on the phone because they don't want to refund $4, I would hate to see what happens if I ever need to file a claim. I am very disappointed with this company. I expected more from a company that partnered with Costco."

"After having a rather large claim for an accident we anticipated our rates to go up. The rates actually went down. It has been over a year since the accident and the rates have still not been increased. I am extremely satisfied with this company."

"I have filed a claim on my auto policy and they are extremely slow and unresponsive. This is the worst service I have ever received from a company which I am paying fo just that.. service! As soon as my claim is settled and paid out I will be switching carriers. "