How To Cancel Ameriprise Auto Insurance in 2024

If you are looking to cancel your Ameriprise auto insurance policy, you are probably wondering how hard it is to cancel or if there are any cancellation fees. As long as you know your policy information, it is easy to cancel your auto insurance coverage with Ameriprise. Read on to learn how to cancel your auto insurance policy with Ameriprise.

How to Cancel Your Ameriprise Insurance Policy 

There are a number of steps to canceling an Ameriprise car insurance policy, but they are straightforward and simple. It is important to not simply stop making payments to Ameriprise so that they cancel your insurance policy, because it could cause significant trouble with your payment charges and lead to a lapse in coverage. 

Instead, you will need to officially reach out to Ameriprise to cancel your auto insurance policy. We’ve outlined the steps of how to cancel your policy with Ameriprise below. 

Collect the Necessary Information 

In order to cancel your Ameriprise insurance policy, you will need to know your policy number. You can usually find your policy number on your billing statement or account statement. 

You will also need to provide your personal information, such as your name and birthdate. Ameriprise may also ask for your reason for cancellation.  

It is important to also know what day you want your Ameriprise insurance policy to end. If you want your policy to end the day you call, then your cancellation will be effective immediately. 

Contact Ameriprise by Phone or Email 

The next step is to contact Ameriprise to have a representative cancel your insurance policy. You can call Ameriprise’s auto and home customer service at 1-888-239-9953. There are other phone numbers to reach other Ameriprise departments. If you accidentally call one of these other numbers, such as the Ameriprise claims phone number, the representative should be able to redirect you to the auto and home customer service department. 

Ameriprise customer service is available Monday through Friday from 7 a.m. to 10 p.m. and Saturday from 8:30 a.m. to 7 p.m. (Central Time).  

If you don’t want to call, you also may be able to cancel through email by contacting Ameriprise at [email protected]. It is usually best to give Ameriprise a call, however, because you will be able to speak to someone and set up the cancellation immediately rather than going back and forth through email about cancellations. 

Confirm the Cancellation 

It is important to confirm your cancellation. You should receive a cancellation email from Ameriprise stating that your policy is no longer active. If you don’t receive a cancellation confirmation, you should call Ameriprise again to ensure your policy is canceled. 

You should also check your bank account to make sure you are no longer being charged monthly fees. Sometimes mistakes are made, and you may be charged even though you canceled your insurance policy. Checking your bank account the month after canceling will ensure that the cancellation went through correctly. 

Are there cancellation fees or refunds? 

Ameriprise doesn’t specify cancellation fees on its website. However, the company should provide you with a refund if you prepaid for coverage but canceled before the end of the policy term. 

For example, if you paid for a whole year of coverage but canceled after five months, you should be refunded for the unused months of coverage. Make sure to read the fine print on your insurance agreement to learn more about cancellation fees and refunds. 

Things to Consider Before Canceling 

Unless you sold your car or are no longer driving, it is important to have a new car insurance policy lined up that will start the day you cancel your Ameriprise auto insurance policy. 

Driving without insurance, even for a day, is illegal, so the last thing you want is a lapse in car insurance coverage, which could lead to significant fines. In addition, if you get into an accident while your insurance has lapsed, you face being labeled a high-risk driver. If that happens, insurers may refuse to cover you unless you purchase high-risk auto insurance, which is expensive. 

If you’re struggling to pay for insurance, consider cutting back on coverages you don’t need. For instance, if you have a newer car, it might make sense to cancel your Ameriprise roadside assistance while keeping the rest of your policy in place.

When should I cancel my Ameriprise insurance? 

There are a number of reasons people cancel their auto insurance policies. Ameriprise will likely ask for a reason for cancellation when you call. Some of the reasons you may choose to cancel your auto insurance policy include the following: 

• You sold your car and are no longer driving. 
• You are switching providers for better coverage or rates. 
• You are moving to a state where Ameriprise doesn’t provide coverage.  
• You are not happy with the service you received from Ameriprise. 

Any of these reasons are valid reasons for choosing to cancel your auto insurance policy with Ameriprise. 

The Final Word on Canceling an Ameriprise Insurance Auto Policy

Before canceling, make sure that you have your new auto insurance plan set up to start before your chosen cancellation date for Ameriprise. You will need to know your policy information in order to cancel. You can call Ameriprise customer service during their business hours to cancel your insurance policy.