Ameriprise motorcycle insurance review | finder.com

Ameriprise motorcycle insurance review

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Ameriprise motorcycle insurance
  • Personalized service
  • Classic bike coverage
  • Simple, personal claims process.

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No-fuss coverage for your new or classic bike, plus personal customer service.

finder.com’s rating: 4.5 / 5.0

★★★★★

  • Get a quote if you need classic bike coverage or have Costco home or auto insurance.
  • Pick something else if you prefer online-based customer service.
  • Riders with classic or brand-new bikes can apply.
States served Alabama, Arizona, Arkansas, Colorado, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin
Roadside assistance Included free
Pay schedule 6 months, custom
Claims methods online
Accident forgiveness Yes (extra bought feature)

Pros

  • Personal customer service
  • Bundle insurance products
  • Classic bike coverage

Cons

  • No online quotes
  • No online claims
  • Website is not very informative
  • Coverage for limited motorcycle types

What motorcycle insurance coverage does Ameriprise offer?

Ameriprise offers standard motorcycle coverage through its partners that will get you on the road:

  • Bodily injury liability. Pays for injuries to the other driver or passengers involved when you’re at fault.
  • Property damage liability. Covers vehicle damage and other property damage hit during a collision.
  • Collision. Protects you from paying for motorcycle damage out of pocket after an at-fault accident.
  • Comprehensive. Covers noncollision damages, such as accidents with animals, stormy weather or falling tree branches

What types of motorcycles does Ameriprise cover?

The company keeps its motorcycle coverage limited to these specialty bike types:

  • Brand new motorcycles
  • Classic bikes

What discounts can I get with Ameriprise?

Ameriprise offers several auto discounts you might qualify for as a motorcycle rider:

  • Accident-free discount. Keep your record accident free for three consecutive years — even more discounts for six years or more.
  • Accident rating. Have to file an accident claim? Get a reduced premium surcharge every year you’re accident free, up to three years.
  • Defensive driver. Complete a refresher defensive driving course with your state’s DMV.
  • Safety features. Get rewarded for having features like antilock brakes or antitheft devices on your bike.
  • Garage storage. Keep your bike in a garage for added theft protection.
  • Multivehicle. You may be eligible for this simple discount if you insure more than one vehicle.
  • Tenure. Get rewarded for sticking with Ameriprise for three years.

Pros and cons of Ameriprise motorcycle insurance

Pros

  • Personal customer service. This company keeps communication personal by offering simple phone support for quotes and claims.
  • Classic bike coverage. Unlike with some competitors, you can get classic bike coverage at Ameriprise.
  • Costco partner. Ameriprise provides discounted home and auto insurance to Costco members. If you already have a membership, you can bundle your insurance.

Cons

  • Website lacks details. The website gives few details about its motorcycle coverage.
  • No online quotes. To get a quote from Ameriprise, you’ll need to speak with a representative directly. However, this could result in a more accurate, customized quote.
  • No online claims. Like the quoting process, you have to file claims through phone support as well.
  • Limited motorcycle types. Ameriprise encourages brand new and classic bike owners to apply for motorcycle insurance.

How do I apply for Ameriprise motorcycle insurance?

Ameriprise keeps its quoting process personal with a simple phone call:
Phone. To get a motorcycle quote, call a representative at 800-297-8136.

What info do I need to apply?

Keep several pieces of information handy when talking to an Ameriprise representative:

  • Personal information: home address, phone number, date of birth
  • Driver’s or motorcycle license number
  • Motorcycle details: make, model and license plate number
  • Driving history
  • Choice of coverage
  • Payment information

How to make a claim with Ameriprise

Like its application process, filing a claim with Ameriprise is a personalized experience that can only be done through your agent.

Phone. Simply call 800-872-5246 to receive help from a claims representative.

Alternatives to Ameriprise

Name Product Roadside assistance Accident forgiveness Available states
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Included free
Yes
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts. Policies come with first accident forgiveness, towing and labor included for Harley-Davidson Touring and Touring Sport bikes, guaranteed manufacturer replacement parts and totaled bike replacement.
Optional
No
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.

Compare up to 4 providers

Bottom line

Ameriprise offers basic motorcycle insurance to benefit its customers. Since the company partners with Costco for home and auto insurance, Costco members can also enjoy discounts on those policies while keeping their insurance needs in one place.

However, Ameriprise offers very little information about its motorcycle insurance and doesn’t provide online account management either.

Compare motorcycle insurance providers to find the best fit for you.

Frequently asked questions about Ameriprise motorcycle insurance

Car insurance ratings

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★★★★★ — Subpar

★★★★★ — Poor

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