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Old 10-26-2019, 07:28 PM
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Ameriprise Won't Insure Lifted Jeeps Anymore

Hi All,

Just wanted to pass along a bad experience I just went through a month ago, so you can learn from it and / or potentially dodge it.

I live in AZ and for quite some time, I am/was insured through Costco's Ameriprise Auto Insurance program (IDS Property Casualty Insurance Co.) for our family cars. One of which was a 2015 Jeep Wrangler JKU Sport. I had it insured with them since early 2015. Unfortunately, it recently got totaled out in an accident whereby somebody pulled right out in front of me at an intersection and I broadsided him. Anyways, I bought another Wrangler and this time it was a 2016 Rubicon. Sitting at the dealership after concluding the purchase deal, I called my insurance company mentioned above to get insurance on the Rubicon so I could drive it off the lot.

Once on the phone with them, they asked me 2 loaded questions:
1 - Have there been any modifications to the jeep?
So I answered "a 4 inch lift and wheels / tires".
The rep stopped me right there and said "Sorry Mr. ______, we cannot insure that vehicle because of the lift height. (Inside my head, i was thinking is this the twilight zone). I responded and said, hang on, I think that's a mistake, put the guy on hold for a minute while I drank my water. Got him back on the line and said, no, I was wrong, it's a 3" lift. He then went on to the next question. (Apparently a 3 inch lift height is Ok).

2 - Do you plan on using the Jeep off-road?
offs. I answered yes. The rep stopped me right there and said "Sorry Mr. ______, we cannot insure that vehicle. (Again, inside my head, i was thinking is this the twilight zone).

To make the long story short, I think they didn't want to insure the Jeep at all, (period). I was shocked. I really don't know why.

Now, I don't know if they have changed their internal policies for insuring jeeps or they just targeted me because I was in a recent accident resulting in a total loss (100% the other parties fault).

I ultimately had to insure it through Geico. They didn't seem to have a problem with anything as they never even asked. However... I now pay twice as much as before for the Sport.

Has the insurance landscape changed over the last 5 years with respect to Jeeps.

Has anyone else run into same or similar situations.

Feedback appreciated...

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Old 10-26-2019, 08:09 PM   #2
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As Rockymtn says.. If Ameriprise won't give you a policy, then go somewhere else. I will be their loss, not yours.
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Old 10-26-2019, 11:32 PM   #3
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So I not long ago switched to Costco not very long ago, last few months. No problem with them insuring but I am only lifted 2.5 inches. As far as off road goes when I pressed them it really comes down are you on named roads or in a ORV park. Many of the trails are in fact names roads and you are covered.

You also may want to check this out:

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Old 10-27-2019, 12:06 AM   #4
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Ameriprise Won't Insure Lifted Jeeps Anymore

Ameri who
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Old 10-27-2019, 03:33 AM   #5
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If anyone is interested, USAA will cover the vehicle Offroad 100% as long as you're not racing.
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Old 10-27-2019, 08:13 AM   #6
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I know Ameriprise as a financial services and investment company, not an auto insurance company. Insurance companies have the freedom to determine what types of vehicles they will insure - lifted, classic, recreational, etc. There are lots of insurance companies that insure lifted/modified Jeeps so simply use someone else. I use Liberty Mutual.

You have the freedom to choose the company that will insure your Jeep and insurance companies have the freedom to determine how much risk they are willing to assume/insure.
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Old 10-27-2019, 10:24 AM   #7
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Just make sure you move all your vehicles to a new insurance company. Not interested in insuring one of my vehicles, that's ok, I'll take all my vehicles elsewhere.
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Old 10-27-2019, 03:57 PM   #8
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I'm happy with State Farm and my agent.
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Old 10-27-2019, 04:10 PM   #9
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Old 10-28-2019, 11:42 AM   #10
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How in the hell did an insurance information post turn into a debate about the Second Amendment? Some people will turn anything into a soap box.
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Old 10-28-2019, 11:47 AM   #11
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Guys, the thread topic is "Ameriprise Won't Insure Lifted Jeeps Anymore". Posts deleted to reflect that.

If you want to have a 2A debate start a thread in off topic LINK
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Old 10-28-2019, 11:58 AM
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Guys, the thread topic is "Ameriprise Won't Insure Lifted Jeeps Anymore". Posts deleted to reflect that.

If you want to have a 2A debate start a thread in off topic LINK
As they OP of this thread, that's right. My intent was not about igniting a discussion about rights and freedoms. It was about "Hey, has this happened to you", or "Has anything changed in the insurance landscape over the last few years"

The purpose was also to alert you to this possible discussion with an insurance company when a quote or insurance engagement is pending.
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Old 10-28-2019, 12:04 PM   #13
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While I assume the insurance company can decide not to insure a vehicle I bought, luckily I am free to take my insurance business and money (because they don't insure them for free) elsewhere.
I hope you took all your insurance needs elsewhere. How else are they going to learn?
The two things those "the average person who switched from brand X insurance to us saved an average of $500" really says is that there is always another insurance company out there willing to insure you for less and the average person is willing to switch insurance carriers for $500. Less than that and it stops being worth the hassle.
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Old 10-28-2019, 12:11 PM   #14
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Use a first tier company and problem solved. Never had any issues with USAA.
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Old 10-28-2019, 02:03 PM   #15
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Had no problems with Allstate.

They covered mine when I flopped it at an Off Road Park and because it was my first claim, my rates didn't go up.

All my Jeeps are insured with Allstate.
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Old 10-29-2019, 01:19 AM   #16
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Buddy of mine has had problems with an insurance claim through Progressive because he was Offroad when it happened.

He'll be switching soon too.

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Old 10-30-2019, 02:19 PM   #17
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Use a first tier company and problem solved. Never had any issues with USAA.
No offense but USAA is not the greatest.
For years they have mandated that body shops have to use knockoff parts and not OEM. In some cases no matter how new the vehicle is.
Talk to any old time shop owner and they will confirm this.
Other companies have also started pulling this crap but USAA was the biggest and first.
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Old 10-30-2019, 02:28 PM   #18
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I also find USAA to be some of the highest rates around. At least that was the case a year ago.
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Old 10-30-2019, 02:44 PM   #19
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I've been offering USAA my business for several years now, and they are consistently higher than my current insurance, on homeowners, cars, motorhome, and motorcycle. For motorcycles they farm it out to Progressive, and their last quote was about 50% higher than going to Progressive directly!
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Old 10-30-2019, 02:45 PM   #20
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As a former USAA member, I avoid them like the plague. If American Family would insure in Florida, I'd still be with them.
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Old 10-30-2019, 03:00 PM   #21
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I also find USAA to be some of the highest rates around. At least that was the case a year ago.

I think itís hard to make a general statement about rates, coverage, and claims process. It is very much geographical and even by address within a city. For example insurance rates vary radically over Los Angeles.

I have checked with other companies about auto and Iíve always got better pricing from USAA but that could be because I have home owners insurance with them as well. Iíve had to file two auto claims and one homeowners claim and that all went very smoothly.
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Old 10-30-2019, 08:56 PM   #22
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I think it’s hard to make a general statement about rates, coverage, and claims process. It is very much geographical and even by address within a city. For example insurance rates vary radically over Los Angeles.

I have checked with other companies about auto and I’ve always got better pricing from USAA but that could be because I have home owners insurance with them as well. I’ve had to file two auto claims and one homeowners claim and that all went very smoothly.
I'm a member of a forum with a military only section. Mention USAA in that section and the reaction you'll get is like you just shot their dog. Many folks avoid them and the ones that stay with them either just have a dead account with them that they never use or contemplating on leaving them.

They just pulled a stupid stunt recently involving signing a certain form so the IRS can have access to your bank records. If you don't sign that form, USAA will just close your account.

They're not the USAA they used to be.
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Old 10-31-2019, 10:44 AM   #23
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I am with USAA and have been for 30 years. I periodically shop all of my policies with all the other major carriers, but haven't found any that are cheaper by enough of a margin to justify moving. I have had a few claims over the years, both home and auto, and all were covered quickly and without hassle.

Not saying they are any better or worse than anyone else, but they have taken care of me to this point. Don't take this wrong for all of the enlisted and prior enlisted members but rates were much more competitive when it was officers (and NCO's) only.
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Old 10-31-2019, 11:06 AM   #24
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Old 10-31-2019, 11:29 AM   #25
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If anyone is interested, USAA will cover the vehicle Offroad 100% as long as you're not racing.

Can I be your dependent?
I'll clean my room like a foot locker in boot
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Old 10-31-2019, 12:55 PM   #26
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I am with USAA and have been for 30 years. I periodically shop all of my policies with all the other major carriers, but haven't found any that are cheaper by enough of a margin to justify moving. I have had a few claims over the years, both home and auto, and all were covered quickly and without hassle.

Not saying they are any better or worse than anyone else, but they have taken care of me to this point. Don't take this wrong for all of the enlisted and prior enlisted members but rates were much more competitive when it was officers (and NCO's) only.
This has been my experience as well. Rates have always been competitive and had zero issues with any claims. They inured my lifted Jeep with zero questions. In fact, I think just added the Jeep online. Getting a mortgage refi was another story. Nightmare of red-tape and delays while Chase did it in a matter of hours outside of the appraisal.
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Old 10-31-2019, 01:03 PM   #27
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No offense but USAA is not the greatest.
For years they have mandated that body shops have to use knockoff parts and not OEM. In some cases no matter how new the vehicle is.
Talk to any old time shop owner and they will confirm this.
Other companies have also started pulling this crap but USAA was the biggest and first.
That's BS. No way to sugar coat that.

I've had USAA for over 20 years. Repaired several cars through them. There is absolutely zero mandate to use knock off parts. OEM or whatever I ask for.

They are not the cheapest but they are the best. Cheap isn't ever the best. They fight for you as a client and bend over backwards to make sure you are all taken care of. They even made sure a road bike on my bike rack was replaced with brand new model when I was rear ended.


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Old 10-31-2019, 02:56 PM   #28
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This has been my experience as well. Rates have always been competitive and had zero issues with any claims. They inured my lifted Jeep with zero questions. In fact, I think just added the Jeep online. Getting a mortgage refi was another story. Nightmare of red-tape and delays while Chase did it in a matter of hours outside of the appraisal.
Hmm. I had really good luck with my mortgage stuff with them. I did do a VA loan on my last one. 1st time my credit union was not competitive on a loan.
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Old 10-31-2019, 03:42 PM   #29
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Been with USAA for 43 years with two auto and one homeowners claim. They were excellent to work with and paid very well. I have shopped auto and homeowners with other companies finding USAA to be the most costs effective among major carriers. I will admit their homeowners insurance is pricey but I am willing to pay little extra to receive excellent care when I need coverage.

I think if one goes with a major carrier, staying away from small and no name companies you will have good treatment. If all you want is cheapest price then imho you will get what you paid for which is lousy claims experience.
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Old 11-01-2019, 06:13 AM   #30
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Hmm. I had really good luck with my mortgage stuff with them. I did do a VA loan on my last one. 1st time my credit union was not competitive on a loan.
It was weird cause about 10yrs later a home equity was easy as pie. Must have just been a bad Luck of the draw. Otherwise I love USAA
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