If they select Ameriprise auto insurance, new drivers can find some surprising coverage options and some great discounts
New drivers are inexperienced drivers, and they are generally more susceptible to auto accidents. As such, it is important that they get sufficient auto insurance coverage to minimize their loss in case they are involved in accidents. Ameriprise auto insurance new drivers coverage offers optimal protection for new drivers, and it can be customized to suit your personal needs and budget.
Considerations for new drivers
It is mandatory for drivers to get auto insurance in most states, and the type of coverage required is usually 
liability coverage. Before you purchase auto insurance, it is important that you find out how much liability car insurance coverage is required in your state. The types and limits of coverage you should get depend on your needs and situation. Some of the factors that you should take into consideration when you choose coverage options and limits are:
- Your driving ability
- The type of car you will be driving most often
- The types of risk that you are exposed to on a regular basis
For free quotes on car insurance policies for your new driver, click here
Ameriprise new driver insurance: policy options
Policy options for Ameriprise auto insurance new drivers coverage are the same as those that are available to other drivers:
- Liability coverage - this is the most basic level of coverage and it compensates victims of accidents that are caused by you. This type of coverage comes in two forms: bodily injury and property damage liability coverage. Your state will set a minimum level of coverage for both types required of all licensed drivers.
- Personal injury protection (PIP) coverage - covers medical expenses and other related losses that are incurred if you or any of your passengers are injured in an auto accident, regardless of who is found to be at fault
- Collision coverage - compensates you for the cost of repairing or replacing your vehicle after it is damaged or totaled in a collsion with another car, an object or as a result of a rollover accident
- Comprehensive coverage - compensates you for vehicle damage or loss that results from events other than auto accidents, such as theft, vandalism, fire, flood, severe weather or damage done by animals
- Underinsured/Uninsured motorists coverage - protects you against loss that occurs as a result of an accident that is caused by a motorist who has no or inadequate auto insurance coverage
Ameriprise new driver insurance: costs & discounts
New driver insurance from Ameriprise is more expensive than other Ameriprise auto insurance policies because 
new drivers are regarded as high-risk drivers. However, there are a number of things that you can do to qualify for a discount to make your Ameriprise auto insurance new drivers coverage more affordable.
Some of the discsounts you can apply for from Ameriprise include:
- Good student discounts
- Safe driving discounts
- Auto safety discounts
- Loyalty discounts
As a new driver, you will have lots of things to remember and consider. Car insurance may seem foreign to you and you may benefit from visiting with a local, licensed car insurance agent who can answer any question you or your family may have. An agent will also have access to tools and products you can use to start establishing safe driving habits. Reply! can be a resource for you and can connect you to local car insurance agents who can help you determine if an Ameriprise auto insurance new drivers policy is this best fit for you.