Ameriprise Financial vs Shelter Insurance Car for 2023
This comprehensive comparison pits Ameriprise Financial against Shelter Car Insurance, providing a detailed exploration of their respective coverage, costs, and customer service.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the complex terrain of car insurance, finding the right balance between coverage and cost is paramount. Our in-depth analysis of Ameriprise Financial and Shelter Car Insurance unveils crucial insights into how factors like credit score, mileage, coverage level, and driving record impact rates. From stellar rates for high credit score individuals to advantageous premiums for low-mileage drivers, we’ve dissected the data to guide you. Whether you’re a safety-conscious driver or looking to maximize savings, our subheadings succinctly reveal which company emerges as the top choice for each customer profile, making your insurance decisions clearer and more informed.
| Factors | Ameriprise | Shelter |
|---|---|---|
| Clean Record | $85 | $120 |
| 1+ Ticket | $110 | $112 |
| 1+ Accident | $125 | $135 |
| DUI | $140 | $160 |
| Poor Credit | $146 | $206 |
| Discounts | Ameriprise | Shelter |
|---|---|---|
| Anti Theft | 5% | 20% |
| Good Student | 10% | 8% |
| Low Mileage | 10% | 10% |
| Paperless | 8% | 5% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 10% |
Ameriprise Financial Car Insurance
Pros:
- Longevity and Financial Services: Ameriprise Financial has a long-standing history of over 125 years and offers a wide range of financial planning and investment services in addition to insurance, making it a one-stop shop for financial needs.
- National Presence: Ameriprise Financial operates in all 50 U.S. states, providing widespread accessibility to its products and services.
- Positive Customer Reviews: Customers have generally praised Ameriprise for its knowledgeable advisors and comprehensive financial planning services.
- Discount Options: Ameriprise offers various discounts for bundling policies and other factors, potentially reducing overall insurance costs.
Cons:
- Potentially Higher Costs: While offering a range of services, Ameriprise’s insurance products may come at a higher cost compared to some competitors.
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Shelter Car Insurance
Pros:
- Affordable Rates: Shelter Car Insurance is known for providing competitive and affordable insurance rates, which can be attractive to cost-conscious consumers.
- Good Customer Reviews: The company has received positive customer reviews for its affordable rates and excellent customer service.
- Roadside Assistance: Shelter Car Insurance offers roadside assistance as part of its auto insurance policies, adding value for policyholders.
- Military Discounts: Shelter offers discounts for military personnel, potentially benefiting active service members and veterans.
Cons:
- Limited Coverage Area: Shelter Car Insurance operates in only 18 states, limiting its availability compared to Ameriprise’s nationwide presence.
- Potentially Limited Discounts: While offering military and bundling discounts, Shelter may have fewer discount options compared to some larger insurers.
- Less Diverse Financial Services: Shelter Car Insurance primarily focuses on insurance, lacking the extensive financial planning services offered by Ameriprise.
- Customer Feedback Variability: As with any insurer, customer experiences can vary, and not all customers may have positive experiences.
Best Car Insurance Company: Ameriprise Financial
When evaluating the best car insurance company between Ameriprise Financial and Shelter Car Insurance, it becomes clear that Ameriprise Financial emerges as the stronger choice, taking into account a comprehensive assessment of rates and offerings.
Affordable Rates and Diverse Services: Ameriprise Financial, with its longstanding presence in the insurance and financial services industry, offers competitive car insurance rates. While affordability is a crucial factor for many consumers, Ameriprise goes beyond cost considerations.
National Reach and Accessibility: Ameriprise Financial’s reach extends to all 50 states, ensuring accessibility to its products and services for a wide range of customers. This national presence enhances convenience and the ability to serve a diverse customer base effectively.
Positive Customer Feedback: The company has garnered favorable customer reviews, notably for its knowledgeable advisors and comprehensive financial planning services. This customer satisfaction demonstrates a commitment to delivering value and excellent service.
Discount Options: Ameriprise offers a variety of discounts for bundling policies and other factors. These discounts can significantly reduce the overall cost of insurance, making it even more attractive to cost-conscious consumers.
While Shelter Car Insurance has merits, including affordable rates, positive customer feedback, and roadside assistance, it faces some limitations, such as a more restricted geographical footprint, fewer discount options, and a primary focus on insurance rather than a comprehensive range of financial services.
Ameriprise Financial
Ameriprise Financial, founded in 1894, boasts a rich history of over 125 years. Headquartered in Minneapolis, Minnesota, the company has become a prominent player in the financial services industry. Originally established as Investors Syndicate, it later underwent several mergers and rebranding efforts to become Ameriprise Financial in 2005.
Ameriprise’s core mission is to help clients achieve their financial goals through a comprehensive range of financial planning and investment services, including insurance products. With a nationwide presence and a legacy of financial expertise, Ameriprise has solidified its position as a trusted partner for individuals and families seeking comprehensive financial solutions.
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Shelter Car Insurance
Shelter Car Insurance, in contrast, has a more localized history. Founded in 1946, it is headquartered in Columbia, Missouri. The company’s mission revolves around providing affordable insurance products and exceptional customer service to its policyholders.
Shelter’s offerings include auto, home, and life insurance, and it primarily operates in 18 states across the United States. Shelter has built a reputation for its affordable rates and commitment to customer satisfaction. While it may not have the nationwide reach of Ameriprise, it has carved a niche for itself in regions where it operates, attracting customers looking for reliable and cost-effective insurance solutions.
Products and Services
Shelter Car Insurance offers a range of auto insurance products, including liability coverage, collision coverage, and comprehensive coverage. The company also offers roadside assistance, rental reimbursement, and custom parts and equipment coverage. Prices vary depending on a number of factors, including your driving record, age, and the type of vehicle you drive. Discounts are available for safe drivers, military personnel, and multi-car policies.
Ameriprise Financial also offers a range of insurance products, including auto insurance. In addition, the company offers services such as financial planning, investment management, and retirement planning. The cost of these services varies depending on the specific products and services you choose. Ameriprise is available in all 50 states and offers discounts for bundling multiple insurance policies together.
Ameriprise Financial and Shelter Discounts:
As mentioned above, Shelter Car Insurance offers a number of discounts for its policyholders. Safe drivers can receive up to 10% off their premiums, while military personnel can receive up to 15% off. Additionally, policyholders who bundle their auto and home insurance together can receive a discount of up to 25%.
Ameriprise Financial also offers discounts for bundling multiple insurance policies together. In addition, the company offers discounts for safe drivers, students, and multi-vehicle policies. The specific discounts and eligibility requirements vary depending on the state in which you live.
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Case Studies: Comparing Shelter Car Insurance and Ameriprise Financial
Case Study 1: John’s Coverage and Cost Analysis
John, a resident of California, was looking for car insurance that offered comprehensive coverage at an affordable price. He compared quotes from Shelter Car Insurance and Ameriprise Financial to evaluate their offerings. This case study examines the coverage options, costs, and customer service experiences that John encountered during his search.
Case Study 2: Sarah’s Claims Experience
Sarah, a policyholder with Shelter Car Insurance, was involved in an accident and needed to file a claim. This case study explores Sarah’s claims process, including the ease of filing a claim, the responsiveness of the insurance company, and the overall satisfaction with the claims handling experience.
Case Study 3: Mark’s Bundle Discount Evaluation
Mark was considering bundling his auto insurance with his home insurance for potential cost savings. He compared Shelter Car Insurance and Ameriprise Financial to assess the discounts available for bundling policies. This case study delves into Mark’s evaluation of the bundle discounts offered by both companies and the ultimate decision he made.
Case Study 4: Lisa’s Customer Service Comparison
Lisa, a policyholder with Ameriprise Financial, had questions about her policy and sought assistance from customer service. This case study examines Lisa’s experience with Ameriprise Financial’s customer service, including the responsiveness, knowledge, and overall satisfaction with the support received.
Mastering the Claims Journey: Ameriprise Financial vs. Shelter Insurance
Ease of Filing a Claim
Both Ameriprise Financial and Shelter Car Insurance offer convenient options for filing insurance claims. Policyholders can choose from various methods, including online claims submission, over-the-phone claims reporting, and the use of mobile apps for added ease. This flexibility ensures that policyholders can select the filing method that best suits their preferences and circumstances.
Average Claim Processing Time
The speed at which an insurance company processes claims is a crucial factor for policyholders. While both Ameriprise Financial and Shelter Car Insurance aim to provide efficient claim processing, it’s essential to note that processing times may vary based on factors such as claim complexity and volume.
Policyholders seeking specific information on average claim processing times should contact their respective insurance providers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback serves as a valuable resource for assessing an insurance company’s performance in handling claims, including the resolution process and payout timelines. Both Ameriprise Financial and Shelter Car Insurance have received reviews from policyholders, offering insights into overall satisfaction with their claims experiences.
While individual experiences may vary, reviewing customer feedback can provide valuable insights into the quality of claims handling.
Digital Solutions and Innovative Technology: Ameriprise Financial vs. Shelter Insurance
Mobile App Features and Functionality
In the digital age, mobile apps play a significant role in managing insurance policies and accessing information conveniently. Both Ameriprise Financial and Shelter Car Insurance offer mobile apps equipped with various features and functionalities.
These apps typically enable policyholders to view policy details, make payments, file claims, and access essential documents. For detailed information about mobile app features, policyholders are encouraged to download and explore the apps provided by each company.
Online Account Management Capabilities
Online account management provides a convenient means for policyholders to access and manage their insurance policies. Both Ameriprise Financial and Shelter Car Insurance offer online account management capabilities through their respective websites.
Policyholders can log in to their accounts to view policy details, make payments, update personal information, and more. These online portals are designed with user-friendly interfaces to facilitate easy policy management.
Digital Tools and Resources
In addition to mobile apps and online account management, insurance companies often provide digital tools and resources to assist policyholders. These tools may include calculators, educational materials, and resources to help policyholders make informed decisions about their coverage.
Both Ameriprise Financial and Shelter Car Insurance may offer a range of digital tools and resources to enhance the customer experience and support policyholders in understanding their insurance options.
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Customer Reviews
Both Shelter Car Insurance and Ameriprise Financial have received positive reviews from their customers. On the Better Business Bureau website, Shelter Car Insurance has an A+ rating and an average customer review rating of 4.38 out of 5 stars. Customers have praised the company’s affordable rates and excellent customer service.
Ameriprise Financial has also received positive reviews from its customers. On the company’s website, customers have rated their experience an average of 4.5 out of 5 stars. Customers have praised the company’s knowledgeable advisors and comprehensive range of financial planning services.
Frequently Asked Questions
What is Ameriprise Financial’s primary focus as a company?
Ameriprise Financial primarily focuses on providing a comprehensive range of financial planning and investment services, including insurance products. Their mission is to help clients achieve their financial goals through these services.
Where is Ameriprise Financial headquartered, and in how many states does it operate?
Ameriprise Financial is headquartered in Minneapolis, Minnesota, and it operates in all 50 states across the United States.
What types of insurance products does Ameriprise Financial offer in addition to car insurance?
Ameriprise Financial offers a range of insurance products, including auto insurance. They also provide services such as financial planning, investment management, retirement planning, and more.
Does Ameriprise Financial offer any discounts on their insurance policies?
Yes, Ameriprise Financial provides various discounts for policyholders, including safe driving discounts, multi-vehicle discounts, and bundling discounts. The specific discounts and eligibility requirements may vary by state.
What is Shelter Car Insurance’s main area of operation?
Shelter Car Insurance primarily operates in 18 states across the United States, with its headquarters located in Columbia, Missouri.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.