I have insured my car with Ameriprise since last 1 year and half. And after every 6 months they re -evaluate the pricing option and reduce the price of insuurance and now i pay only 500 for 6 months. One of my friend also has ameriprise only, He did a big accident and car got crashed totally, and ameriprise reimbursed the total price of car within 2 weeks time. Amazing service i must say. And they are very approachable.