Auto Insurance Discounts

We reward our customers with a great selection of discounts and benefits

Safe Driving Discount

Safe driving habits make the roads safer for us all. Driving safely is also one of the easiest ways to lower your insurance premiums. For our policyholders in California, this is called a Good Driver discount.

Accident (Merit) Rating

In states where we are unable to offer Accident Forgiveness, we don’t believe one accident should mean the end of your safe driving record.

That’s why we make it easier to get your Safe Driving history discount back after an accident for which you were responsible.

Rather than adding a full surcharge to your premium for several years after an at-fault accident, we reduce the surcharge each year to try and get you back to your full Safe Driving discount as quickly as possible.

We reduce the surcharge each year over the course of three years until you are receiving the full discount again.

Defensive Driver Discount

Have you ever thought about taking a ‘refresher’ driving course? If so, we have an extra incentive for you.

Take a "refresher" course approved by your state’s Department of Motor Vehicles (DMV), and we will reward your initiative with a discount. (Unfortunately, this discount does not apply if you took the course while learning to drive. And drivers’ education classes cannot be used to secure this discount either.)

To earn the discount, complete the course and present us with a copy of your certificate of completion. That’s all we need to issue a policy with the discount.

Vehicle Safety Features

Did you know that the safety features in your car can make your car insurance more affordable? In fact, these car insurance discounts are among the easiest to earn. If your car includes the following safety features, we may be able to provide you with additional discounts on your auto insurance:

  • Anti-lock brakes
  • Air bags
  • Automatic seatbelts
  • Anti-theft devices

Tell our representative about the safety features in your vehicle to see how much you can save.

Garaging Discount

If you park your car overnight in a garage, we may be able to offer you a discount for the added vehicle protection this provides. Availability is limited. Ask your client service representative whether this discount exists in your area.

Good Student Discount

Because young drivers lack driving experience, they face greater odds of being in an accident. That means young drivers – or their families – often pay higher rates. But, good grades matter. They demonstrate hard work, responsibility and commitment. To show our appreciation for academic achievement, we offer car insurance discounts for students under 25 who maintain a ‘B’ average or better. Consider this another great reason to hit the books.

Student Away Discount

If your student is going away to school more than 100 miles from your home, you’re eligible for the Student Away discount. This discount allows you to keep your student driver on your policy so they’re covered when driving during a weekend or break at home. But, when they’re away, you won’t pay the full cost of a driver who won’t be driving your vehicle every day. This discount does not apply if the student has a vehicle at school.

Education Discount

We also like to acknowledge the hard work of students who stay in school. If you are a student – or have a student in your family – who completes at least four years of post-high-school education, you’ll earn the Education discount. Consider it the reward for late nights spent studying, early classes and your desire to learn something new.

Multi-vehicle Discount

We like to thank customers who do more business with us. If you insure more than one car with us, you may be entitled to a discount. Called Multi-car Rating or Multi-car Discount, it works like this: if you insure a number of cars, trucks or vans with us, we will offer you a lower rate. Pretty simple!

Loyalty Discounts

You have choices when choosing an insurance company to provide your home, auto, umbrella and specialty insurance. That’s why we’re so grateful when you bundle your insurance policies and have more than one insurance policy with us. In return, we want to share the love. Here’s how bundling helps you save:

  • Preferred Discount (Auto/Home)

We can offer you a discount on your automobile policy when you purchase your homeowners or condo insurance policy with us, too.

  • Preferred Discount (Auto/Umbrella)

If you purchase an umbrella insurance policy with us, we can offer you a discount on your car insurance.

An umbrella policy provides you with additional coverage beyond the limits of your auto, home/condo or renters insurance policy. Sometimes called excess insurance, it provides a little added protection and a lot more peace of mind.

  • Deluxe Discount (Auto/Home/Umbrella)

Earn an even bigger discount on your car insurance when you buy both a homeowner or condo policy and an umbrella policy from Ameriprise Auto & Home Insurance. Not only will you have the convenience of having all of your policies with one insurance company, you’ll be rewarded for your loyalty.

Consider these discounts our way of doing more for those who do their insurance business with us.

Tenure Discount

Stay with us for three years and you can earn the Tenure discount: When you reach certain time-related milestones with Ameriprise Auto & Home Insurance, we will charge you a lower rate than we would for a new customer looking for similar insurance.