Ameriprise

Ameriprise is the shadiest insurer I had owned. I joined them through Costco because of Costco's reputation. This is causing me to distrust Costco's recommendation of its affiliated recommendations and will no longer buy my car, book my travel and indeed purchase insurance due to my experience with Ameriprise. Ameriprise has made me buy insurance for 40,000 above my home value last year so I could have "good coverage and peace of mind." And when we had roof damage in January they did everything they could to not pay a penny on it.

Through Costco, I applied for auto insurance through their partnered auto insurance company, Ameriprise. I filled in all the online fields accurately and was immediately declined insurance coverage due to a “not at fault” insurance claim from 8 months ago. Brief summary; traffic was stopped on an Arizona interstate, of which I was also stopped. While sitting there, a lady slammed into my rear end and damaged my car. She was insured and her insurance paid for the repairs. Ameriprise said their policy prohibits me for getting insurance quotes from them for three years. I have never made an insurance claim or caused an accident in my life. And get this... I was told that if I had been at fault, they would be able to provide me with a quote. What am I missing here? I am not unhappy with my current insurance provider, but I am shopping around to see if I can get better rates. Costco should look into this.

I have Ameriprise car insurance for 8 years. Never had problems before and was satisfied with their service, never had at fault accidents and was always in time paying my fees. Everything was perfect until today. I called the company to make some changes to my policy and unfortunately got connected to the employee with the name Andy. He ruined all the positive experience I had with this company and now I think about canceling my policy. I really hope, he is not the real face of this company.

I would give 0 rating for the kind of service I am getting from Ameriprise auto insurance company. Reasons: I called Ameriprise on Monday morning for my windshield replacement and they hooked up me Abra shop for replacement. I placed order with Abra (shop) on Monday morning but looks they did not place. Did not order until Monday evening as they were not having my WIN (I had already provided it in the morning). Abra called me again on Tuesday mentioning OEM glass claim is not approved. So frustrating thing for me is: why Ameriprise or Abra (shop) did not figure out that OEM glass in not acceptable on Monday morning itself I lost my day here.

I chose to insure with Ameriprise because I'm a heavy Costco spender & that is where I learned about Ameriprise. I had no issues with them when I signed up. When renewal time came they failed to notify me on time. Now my insurance has lapsed & they won't insure me. They are responsible to notify the insurer when payment is due. They failed to do so. I am shocked on their behavior. They don't use paperless billing which caused their invoice to me to go missing in the mail. How convenient.

I was a loyal customer to Ameriprise for almost 2 years with home insurance and Costco member for more than 4-5 yrs. I did not knew even if you inquire about a situation. In my case I did inquire if I covered for water damage in my basement when my hot water broke and we had water in the basement. Which if I am not wrong was told I do not have that particular coverage. Then I decided not to take that nor I made any claim for that and moved on.

I had collision coverage on my cars with them, just to find out that my car was not covered when I had an accident. They said my collision coverage was 'limited' coverage and only covered the collision damage if was at most 50% at fault. I would not get any coverage because I was more than 50% at fault. When I chose the coverage, it never showed it was a limited coverage. I had always thought I had full coverage. Typical bait-and-switch scam. Avoid them at all cost!

I signed up for Ameriprise through Costco because I was quoted a good rate. When I filled out the quote online, I checked the box stating I wanted liability ONLY with the state minimum 15/30 limits for coverage because my vehicles were 11 and 18 years old. It turned out they changed my coverage on both vehicles so that they were fully insured for 100,000/300,000 limits. This was absolutely ridiculous on vehicles that were paid off and only worth $6,000 and $2,000 respectively. I called to complain as well as emailed a complaint regarding the excessive coverages and demanded my money back.

My vehicle was broken into (2 windows were shattered) and merchandise was stolen so naturally, I filed a claim (why else do I pay for insurance). The representative denied my claim for a bogus reason. I called Ameriprise back for an explanation. They stated that they will not cover the merchandise because one of the people with us (mother) was not on my policy but their belongings were in my car. My policy under damage to the vehicle clearly states they will cover my and relative belongings.

They have been a terrible company to work with. We’ve been Costco and Ameriprise customers for over 20 years with one claim nine years ago. They raised our premium from $1,000 to $6,000, and they don’t have any other options. We are canceling our policy immediately.

They are cheap for a reason. When you need them for a claim good luck getting any peace of mind. This company is in complete disarray from their management down to the CS reps. My claim has been lost and passed to 11 different agents and I've had to repeat and resubmit dozens of items. Lost payments, taking double payments on some months, not returning phone calls or emails, lying and providing wrong statuses on my claims, you name it! I'm very surprised that Costco would still be doing business with this shady business.

Some facts to consider. I was covered Ameriprise through Costco. 12+ years accident free and 7 years with them. I was involved in a head on collision in which the other driver came onto my lane. Court ordered to testify against the other driver with alleged negligence. Even the police cited the other driver and questioned her at length, while they just checked on me to make sure I was ok. I called Ameriprise right away to report the incident and was shocked by the response. I was actually very calm in my state and told them how the accident occurred. I then asked on my options to tow the vehicle. That's when it went south.

We are not insured by Ameriprise but have had to do business with them by way of an accident. We were rear ended by a person insured through Ameriprise and they have run us through the ringer in trying to settle the claim. We are not someone who is trying to take advantage of an unfortunate situation or trying claim an injury to get undue compensation. We just want to settle the claim for our vehicle. We’ve found Ameriprise’s integrity is less than honorable. They required us to pay for an assessment that they won’t honor then they only offered to pay about a quarter of the assessment. This is an accident where we were at a stand still when hit and their insured who even admitted to be at fault. I highly recommend NOT doing business with this less than honorable company.

Rate went from $633 to $937 for six months. I called to inquire. Agent acknowledged I have no accidents or tickets. I pointed out that a 50% increase in less than a year is abhorrent. She was rude and snotty and told me to consider people that do have tickets and accidents and how much their rates went up. I told her I don’t care about other people’s driving records. I canceled and switched to GEICO and pay less than I was paying BEFORE the rate increase. AMERIPRISE and COSTCO can go, you know.

I am perfect driver, no tickets, perfect record in California. Had Ameriprise 5 years - no claims ever. Had one incident me at fault although not negligence or unsafe driving - Got new bill today - raised my rates from $688/yr up to 1789/yr! I was sure was mistake - called - they were snotty, vague, said I lost my "safe driver" and tough luck basically. At time of incident I could not reach them, the rep was snotty and sarcastic, made my situation worse.

They placed me in sales of securities and transactions that were best for them with high prices. They locked me in to accounts that I cannot move and have to pay them a fee. Stay away. They want your money and are to not looking to help you.

I have been with Costco Ameriprise since 2008, faithfully paying my premiums, never had a claim until last Fall when a driver two cars behind me couldn’t stop at the light and pushed the car in back of me damaging my back bumper. Total cost of repair: $1045 plus one day car rental that was completely reimbursed by that driver’s insurance company.

They make very simple business and finance brokerage transactions needlessly complex. Client IDs, Group IDs, Account #s and a full staff they use for shuffling you around and wasting your time. I have had multiple hour long sessions with them.

I have used Ameriprise AUto Insurance through Costco for 10 years. Never filed a claim. Never had any kind of speeding ticket or violation. Then I bought an RV in Oct 2018 and covered it also. When I told them in Nov 2018 that I planned to live in the RV full time for 2 years until I retire, they told me that they couldn't insure the RV but had 'affiliate' companies that would 'be happy' to provide the coverage I would need for the RV. They gave me a phone number to call and I could never get through to the number. Now, fast forward 5 months and Ameriprise is telling me they are going to drop me as a client because I am living full time in an RV. Wow, that's a big thanks for taking my money for TEN years and never needing to pay out a single dime.

Have had car insurance with Ameriprise through Costco for several years. Were dry happy with the price and service since we are very good driver, until my 18 y/o daughter received her license. I called to get a quote. Next thing I know Ameriprise representative stated that their policy requires that I must purchase my daughter insurance since she is now “exposed” even though she is not driving. Told them that I am not by law required to purchase insurance for her since she does not own a car and is not driving. No matter. Didn’t know and found out that Ameriprise went ahead and signed my daughter up for liability without my consent after a few days later when my wife called to investigate pricing.

I wish I would seen these reviews before using Ameriprise. They are very set in their ways and will not bend, even if they admit it's their fault. I tried for three months to have them change my auto withdraw billing to the 11th of the month, instead of the first. They continued to try and pull funds at the first of the month. When I called them they said, "You are no longer qualified for monthly billing."

First of all, I would highly recommend everyone who wrote a review about Ameriprise to file a complaint with their State Insurance Commissioner and write to Costco to inform them about this company. IMO, this company should be shut down. They're only in existence to collect your premium, when time to provide service, they cannot provide any decent service. Having Ameriprise as an insurance company is just like NOT having insurance coverage at all.

Ameriprise auto insurance is total scam with outrageously high premium, charging at least 50% more than average. First online quote is low, and pretended the policy was issued. Later it will try to find faults with drivers, and hike the cost as high as 2X of the original quote.

Total idiots that you should stay away with insurance. I can't believe these ** are recommended by Costco. Bunch of morons altogether. I had the 'pleasure' to be part of their insurance clientele for a year. They kept increasing the premium with ** customer service. After a year I had it enough a cut the ** out. Stay away, even better run away.

Ameriprise is by far the worst insurance company that I have ever dealt with. I would not recommend this company to anyone, the simple fact that they are still in business is surprising to me, they have the worst customer service and after jumping thru all of their hoops and having perfect driving records they still want more information. Stay as far away from this company as possible unless you like misery in your life. I would rather pay more money for insurance from a reputable company than ever deal with this company again.

When I first got my insurance I paid in full. When time for renewing did month to month and for some reason the payment wasn’t being deducted. I made a payment from my account. Unfortunately I am a government worker and was impacted by a shutdown - was on furlough. They canceled my account. I received unemployment. The next day called back they won’t expect the 251. They wanted the 503. I emailed someone and talked to someone. She said I couldn’t reinstate and that I could try back in a year.

Don't even think of using this company for anything. After 35 years of doing business with Ameriprise, they cheated us out of our LTC policy. Premium payment was managed by THEM from one of our accounts and when we switched to another account, they didn't switch the payment trigger and lapsed the payment and canceled the policy. Same story as others I see here... "Oh we sent you a letter which is all we had to do..." Even though the lapse was THEIR fault!!! So over $35,000 in premiums stolen in this little scam and worse $500,000 in benefits now gone. At 80, it's not even possible to buy LTC. THIS COMPANY NEEDS TO BE STOPPED!!! Class action anyone???

I have only one claim and they did everything to not pay me for the items covered under my policy. Even when I provided exactly what they asked for, they simply refused to cover the items stolen from me. On top of that the representatives were extremely rude. I was under the coverage for over 10 years and they treated me like a criminal when I needed the coverage I paid for. I would only suggest this company to someone I hated.

Beware of service, it's non-existent and offensive: Today we found out our auto insurance had been canceled 3 weeks earlier. Due to a Credit card theft, 1 of the 2 payments was declined and while Ameriprise did call 1 time and left a message, they did not include in their message why they were calling. No further calls to say coverage was going to cancel. No emails. They did send a cancellation notice thru the mail and it was our fault for not opening the mail in time, we had NO WAY of expecting there was a problem. Our credit card was charged on December 1, 2018 for 6 months of premium. WE had no way of knowing they would be making a 2nd charge 1 week later so we didn't realize there was a problem. NOTE: The card was declined due to our card number being stolen and having a new card issued.

As you can see from the many, many ratings of "1" on this website, consider yourself warned. Ameriprise follows policies that are completely different than other companies. Don't just "assume" they do what the larger, more reputable insurance companies do. By their unorthodox practices, you will find yourself in trouble when you need them most because you trusted them to honor their end of the bargain (pretty much why their rates are lower-their service is inferior). One minor example, if your spouse has different car insurance, they FORCE you to list them as a primary. Consumers should be able to CHOOSE their company, not be forced onto a plan. Why this matters? Your spouse and any other family member under on THEIR plan, can directly influence the rates on your plan. Other companies DO NOT follow this practice. Be careful!