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How do customers rate Ameriprise Auto & Home Insurance (Costco)?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Ameriprise Costco Auto & Home Insurance: Ratings and Coverage

Costco car insurance is available to its members, the policies are underwritten through CONNECT by American Family Insurance Company. Members purchasing car insurance through Costco are eligible for an additional discount off Ameriprise's already-low rates, as well as free roadside assistance.

Discounts are also available for safe driving, insuring your auto and home with Ameriprise and your home's safety features.

The basic auto coverage includes collision, comprehensive, liability, medical expenses, and uninsured/underinsured motorist coverage.

Comprehensive Costco auto insurance coverage provides you with collision insurance to property damage insurance. Costco insurance discounts reward safe driving and automobile safety features.

As a major insurance company, Costco also offers home, health, and life insurance through its affinity program with Ameriprise.

What car insurance discounts can I get through Ameriprise Costco?

Bundling Discount: purchase more than one policy from Ameriprise you will receive a reduced rate

Safe Driving Discount: a discount for three or more years of driving without causing an accident and for taking a defensive driving course.

Safety Feature Discount: Cars equipped with modern anti-theft devices and safety features are eligible for a discount.

Student discount:if you or someone in your family has completed four years of postsecondary education. Additionally, if you're a full-time student under 25 with a "B" grade average you are eligible for a good student discount.

Loyalty Discount: after three years' worth of continuous coverage from Ameriprise you are eligible for an additional loyalty discount.

Multi-Vehicle Discount: Insuring more than one vehicle on an Ameriprise auto insurance policy can result in a discounted rate

Student Away Discount: Policyholders with a student attending school more than 100 miles from home are eligible for a student away car insurance discount

What homeowners insurance discounts can I get through Ameriprise Costco?

Age of Home Discount: The newer your home, the bigger Ameriprise discount you will receive

Claims Free Discount: Ameriprise offers a discount to policyholders who have not filed a claim in the last five years

Home Safety Features Discounts: Homes that include safety features such as smoke alarms, deadbolt locks, security alarms, monitored fire and or security system, sprinkler system or fire extinguishers are eligible for a discount

Tenure Discount: Each year you renew your home insurance policy with Ameriprise you are eligible for a discount

Multi-Policy Discount: Bundling your home insurance policy with other Ameriprise insurance products could result in a discount What coverages does Ameriprise Auto & Home Insurance (Costco) offer?

What coverages does Ameriprise Auto & Home Insurance (Costco) offer?

In addition to the standard Ameriprise Auto & Home insurance policies, there are additional benefits to Costco members and some other coverages available as well. Optional coverages include rental car insurance, personal injury protection (PIP), gap insurance, and roadside assistance.

Ameriprise car insurance additional coverage options

Costco Gold Star Executive members receive a discount on Ameriprise car insurance, but there are also added benefits for Executive members including the following:

  • Roadside Assistance: Ameriprise roadside assistance covers up to $75 for service. It can provide assistance for a number of things including a flat tire, dead battery, running out of gas, and more.
  • Lifetime Renewability: Costco Executive Members receive lifetime renewability for Ameriprise car insurance. Ameriprise won't cancel your car insurance policy ever, regardless of how many accidents you have had. (Exclusions apply)

With all Ameriprise auto insurance policies, your deductible is waived for windshield repair. Ameriprise also includes accidental travel expense coverage on all car insurance policies. Ameriprise will help with the unexpected cost of travel and accommodations if you're in a car accident more than 100 miles from your home.

Ameriprise homeowners insurance additional coverage options

Costco members receive a discount on Ameriprise insurance policies. If you're a Costco Executive Member, you receive additional homeowners insurance benefits including the following:

  • Glass repair reimbursement
  • Home lockout assistance

Ameriprise homeowners insurance policy includes many specialty coverages including identity theft protection, stolen credit card use or check fraud protection, food spoilage protection, and lock replacement expense protection.

Ameriprise Auto & Home Insurance is partnered with a number of other insurance companies to offer specialty lines of insurance. Some of its partners include American Modern, Arrowhead, Chubb, Embrace, Hartford, Progressive, and RLI.

The average full coverage policy costs $1,827 per year. You can get a quote for a policy through Costco's partner American Family Insurance. However, insurance rates are not standardized, and every driver pays a somewhat different rate based on different factors such as state, age, credit score, and claims history. The make, model, year, and overall state of the vehicle can also affect the premium.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

What states does Ameriprise Auto & Home Insurance (Costco) do business in?

Ameriprise Auto & Home Insurance (Costco) sells car, homeowners and motorcycle insurance in 42 states and Washington, D.C.. See the state Ameriprise Auto & Home Insurance (Costco) sells in below and click the link to see how Ameriprise Auto & Home Insurance (Costco) compares to the other top companies in that state.

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