How to Cancel Ameriprise Auto Insurance: Step-by-Step (2022)

Wondering how to cancel Ameriprise auto insurance? There are many reasons people cancel their car insurance – from lousy customer service to the sale of your car, sometimes, you just don’t need insurance any longer. Ameriprise has a reputation for being friendly and helpful, and that extends to cancellations. Ameriprise's cancel policy is simple and can be done over the phone or by email.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 3, 2021

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A Concise Overview

  • Common reasons that people cancel their car insurance policies is that they no longer have their car, they’ve found a better rate, or they are unhappy with the customer service they’ve received
  • Ameriprise has a simple cancellation policy with no fee, and you can cancel your plan by phone or email
  • If you plan on driving your car after you cancel your policy, you should make sure you have another plan lined up to avoid a lapse in coverage

Ameriprise is a reputable car insurance company that sells plans through Costco. Now known as CONNECT, Ameriprise usually receives good reviews and has happy customers.

Even though Ameriprise receives praise for its customer service and affordable rates, there are times when you need to cancel your car insurance. Whether you’re canceling your policy or learning how to switch car insurance, Ameriprise is easy to work with.

If you’re wondering how to cancel Ameriprise car insurance, the following steps can help you.

If you want to see quotes for new car insurance, you can start by entering your ZIP code into our free tool to see what they might look like.

How to Cancel Ameriprise Auto Insurance

Wondering, “How do I close my Amerprise account?” Canceling your car insurance can be stressful, and you might be worried about how complicated the process will be.

Luckily, the cancellation process is simple and straightforward.

The easiest way to cancel your insurance is to contact an agent by either phone or email. The number to reach an Ameriprise agent is: (888) 239-9953, while you can probably find an email address on your insurance card.

Of course, the quickest way to get information about canceling or if you need your plan canceled immediately, your best bet is to call. However, if you’ve got time to wait and you don’t want to sit on the phone, emailing usually takes no more than a day or two.

Worried about a fee involved with canceling your policy? Don’t be. Currently, Ameriprise doesn’t have a cancellation fee.

What information do you need to cancel your policy?

If you’re calling an agent, they can help you even if you don’t have your insurance information on hand. However, there are a few items that would make the process easier.

First, you should provide your name and the address you gave when you signed up for the policy.

Second, the cancellation process will go much easier if you have your policy number on hand. The agent you speak with will ask you a series of questions about why you need to cancel. They’ll also help you figure out if you owe money or if money is owed to you.

Do you get a refund on your policy if you cancel?

Some auto insurance companies offer refunds on policies that have been canceled, but it depends on how you pay for your plan. Ameriprise’s policy does offer refunds, but only if you’ve paid for your entire plan in advance.

If you make monthly payments, however, you won’t be eligible for a refund. If you have paid for the full policy, you’ll be refunded for whatever time remains.

Some companies have a trial period where you can cancel your policy within a certain amount of time for a full refund. If you’re unsure if you’re eligible for a refund, call your agent and ask about the Ameriprise financial planning agreement.

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When should you cancel your car insurance?

There are several reasons why a person might want to cancel their car insurance. Here are the most common reasons people contact their insurance agents to cancel their insurance:

  • To cancel certain aspects of their insurance that they no longer need to save money, such as roadside assistance or underinsured/uninsured motorist
  • To switch insurance providers for better rates or services
  • They no longer need the coverage because they are selling or losing their car
  • They are simply unhappy with the customer service they’ve experienced

Any of these is a great reason to cancel your insurance, but you should always make sure to contact your agent.

If you’re canceling insurance on a car you intend to keep driving, you should also make sure that you have a new insurance policy lined up. A lapse in coverage can end up raising your monthly rates.

Additionally, you should never drive a car that doesn’t have insurance. Every state requires some form of minimum coverage so you can legally drive.

If you’re caught without insurance, you’ll face steep fines and can even lose your license. The fine for driving without insurance ranges anywhere from $50 in Arkansas to $1,500 in Delaware.

What happens if you don’t notify your agent about canceling your insurance?

Contacting your agent can be a pain, but it’s worth the effort. If you decide to cancel your policy without telling the company (AKA, you stop making payments), you might face non-payment fees. You can also be flagged as an insurance risk to other companies.

Most insurance companies offer a discount if you sign up for automatic withdrawal. If your payments are withdrawn automatically, you’ll keep making payments until you cancel.

You should also fulfill your payment obligations because failing to do so will affect your next insurance policy. Insurance companies tend to look at your history before offering you a plan. If they see you don’t always pay your bill, your monthly rate will increase

Additionally, you might be interested in renewing your policy or getting an Ameriprise account transfer at a later date. They might be unwilling to take you back as a customer if you stop paying without notifying them.

How to Find New Car Insurance

Whatever reason you’ve decided to cancel your Ameriprise policy, you should shop around to find the cheapest rates if you need new car insurance.

If you’re planning on canceling your policy and you want to keep driving, you should get a new plan immediately. If you can’t, consider temporary auto insurance to avoid a lapse in coverage.

While Ameriprise tends to receive excellent reviews, there are plenty of other companies that can give you a great deal.

 Average Monthly PriceYearly Average
American Family$159$1,911
State Farm$121$1,457
Allstate$160$1,921
GEICO$117$1,405
Nationwide$124$1,485
Farmers$167$2,000
USAA$102$1,225
Progressive$126$1,509
The Hartford$189$2,270
Amica$115$1,378
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The best way to see which company is ideal for your needs is to look at quotes. Between discounts and unique policy features, getting a quote for your unique situation can save you hundreds of dollars.

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Find Quotes for Car Insurance Today

There’s no reason to stick with a car insurance policy that no longer works for you. Ameriprise makes it easy to cancel you plan no matter what the reason is.

If you’ve just learned how to cancel Ameriprise auto insurance and are ready for a new plan, you can enter your ZIP code into our free tool to see what quotes might look like for you.

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