Ameriprise vs. MetLife Car Insurance 
When you compare Ameriprise vs. MetLife car insurance rates, you will find that MetLife is more affordable. Additionally, MetLife is preferred over Ameriprise when it comes to customer satisfaction. However, the debate of the Ameriprise or MetLife car insurance company isn't that simple. With discounts and better-than-average rankings, both companies are a solid choice for all of your insurance needs.
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UPDATED: Aug 3, 2021
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- Ameriprise and MetLife both offer a variety of insurance products to suit your needs
- Ameriprise is now referred to as CONNECT which is offered through Costco
- You need a Costco membership to get Ameriprise car insurance
Comparing Ameriprise vs. MetLife car insurance is a great place to start if you are searching for the cheapest rates. Both companies offer various products to suit all of your insurance needs.
Keep in mind that Ameriprise is now known as CONNECT insurance, and it is available through Costco. So, to qualify for its insurance coverage, you will need to be a member of Costco. The membership may be well worth it due to the low car insurance rates offered.
It’s wise to look over the Ameriprise Financial car insurance review to get a general overview of the company. However, comparing Ameriprise against MetLife will simplify the process of finding the most affordable Ameriprise or MetLife car insurance.
Keep reading to see if the Ameriprise or MetLife car insurance company offers better rates for your driving situation.
Before reading this Ameriprise vs. MetLife car insurance review, enter your ZIP code here for free car insurance quotes from companies near you.
Will I find cheaper rates with Ameriprise or MetLife car insurance?
When you start shopping around for a new car insurance company, the cheapest rates with solid coverage are what you are looking for.
Pitting companies against each other is the best way to reduce the number of choices. If you’re not sure if you should buy Ameriprise or MetLife car insurance, you’re in the right place.
While looking over the Ameriprise or MetLife car insurance review is a great place to start, looking at them side-by-side simplifies the process. Both Ameriprise and MetLife are good choices for car insurance and other insurance products.
Figuring out which company is cheaper means you need to know how car insurance companies set rates. Insurance companies look at your age, annual mileage, education, credit score, driving record, and other factors to determine how risky it is to insure you.
After figuring out the risk, they set your base rates. Afterward, discounts are added on, and you end up with your monthly premium. Moving forward, we will look over various driving situations and how much the average rates are for each.
Ameriprise vs. MetLife: Average Rates Based on Age
You may not realize how much your age impacts your car insurance rates. The older you are, the more experienced you are when it comes to driving. This leads to cheaper rates because you are less likely to get into an accident.
Teenage car insurance coverage is more costly than many expect. Fender benders and accidents are much more common with teens, making it quite risky to insure them. On top of your age, your gender and marital status will also affect your car insurance rates.
Let’s take a look at various age brackets and how much your premiums may be.
|Age, Gender, and Marital Status||Ameriprise (CONNECT) Average Monthly Rates||MetLife Average Monthly Rates|
|Single 17-year-old female||$774||$536|
|Single 17-year-old male||$887||$687|
|Single 25-year-old female||$285||$204|
|Single 25-year-old male||$298||$284|
|Married 35-year-old female||$263||$198|
|Married 35-year-old male||$260||$268|
|Married 60-year-old female||$166||$117|
|Married 60-year-old male||$168||$151|
While many people say that Ameriprise is more affordable, in the case of age, gender, and marital status, MetLife wins in affordability in every category. Keep in mind that discounts could save you a lot of money and make Ameriprise the cheaper option.
Ameriprise vs. MetLife: Average Rates Based on Credit History
It is believed that those with good credit scores are more careful when it comes to driving. This means that a good credit score equals savings on your car insurance. You can improve your credit and drop your Ameriprise or MetLife car insurance rates.
Now we will take a look at different credit situations and what your premiums may end up as if you choose to go with Ameriprise or MetLife.
|Credit History Summary||Ameriprise Average Monthly Rates||MetLife Average Monthly Rates|
|Good Credit (670-739)||$224||$148|
|Fair Credit Score (580-669)||$264||$177|
|Poor Credit Score (300-579)||$372||$291|
In every credit situation, MetLife is cheaper. This company is a bit more forgiving when it comes to less-than-perfect credit scores. Add discounts on top of the affordable rates offered, and you may have found a winner for the most budget-friendly car insurance company.
Ameriprise vs. MetLife: Average Monthly Rates Based on Driving Record
Most people understand that if they have infractions on their driving record, it will raise the cost of their car insurance. When you get Ameriprise or MetLife car insurance quotes, both companies will take a look at your driving history.
Each infraction is ranked differently between companies, and this can lead to drastic differences in rates. Here is a glance at some common driving violations and what they may end up costing you with these two companies.
|Driving Record||Ameriprise Average Monthly Rates||MetLife Average Monthly Rates|
|Clean Driving Record||$224||$173|
|With 1 Speeding Violation||$252||$209|
|With 1 Accident||$310||$215|
|With 1 DUI/DWI||$361||$268|
Here again, MetLife has more affordable rates than Ameriprise. So, it’s looking like MetLife will be the cheaper option for pretty much anyone looking for a new car insurance company.
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Which company offers user-friendly websites?
In today’s world, pretty much everything we do is online. Whether you want to look into Ameriprise careers or MetLife group life insurance, you are likely going to jump online to find information.
Spending too long searching for the MetLife life insurance login or anything seemingly hidden online can turn a user off a company. So, a user-friendly website simplifies things.
Both the Ameriprise and MetLife websites are easy to navigate. They both provide the user with a great deal of information and easy links to find all the topics you are looking for.
The MetLife website gives you access to the MetLife insurance log-in, discounts page, blogs on its products, and more. You can also easily access MetLife office phone numbers and claims phone numbers.
Like the MetLife website, Ameriprise’s website gives you access to your account, product information, the Ameriprise email address, phone numbers, and more. So, when put against each other, most customers find they are about equal for user-friendly websites.
Now that you know the ins and outs of Ameriprise vs. MetLife car insurance choosing the best option should be easy. Additionally, you can enter your ZIP code here and compare free quotes from the best insurance companies in your area.