When you decide to buy Ameriprise auto insurance, new car coverage can be built to fit every need
When you finally decide you want to buy a new car and need to figure how much you can afford to pay each month, do not forget to add in the cost of car insurance. With Ameriprise auto insurance new car coverage offers you a few options you might want to consider that will save you money if you are involved in an accident.
New car insurance with Ameriprise
Ameriprise auto insurance for your new car will start by building off the basic coverage, liability. Your state has 
set minimum required levels of both bodily injuy and property damage liability coverage you need to have as a licensed driver. These limits are notoriously low and with a new car you're looking to protect, it's strongly suggested that you acquire liabilty beyond just your state's minimum legal standard.
Unless you paid cash for your new car, the company that loaned you the money to buy the car will require you to carry coverage that will protect their collateral interest until you own the car. Be sure to read the terms and conditions of any car loan or lease you have attached to your new car as it probably calls for you to have collision coverage or comprehensive coverage or both. Even with these coverage options, there may not be enough coverage to replace your vehicle in the event of a total loss and you may still end up having to pay for a car you no longer have or can drive.
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Ameriprise gives you the option of adding new car replacement or guaranteed auto/asset protection (GAP) coverage to your policy. You can add both to your policy or only have just the new car replacement endorsement, but Ameriprise does not offer GAP coverage by itself. Ameriprise auto insurance new car replacement will pay up to 110 percent of your car's original price to ensure you get a proper replacement should you total your new car within the first year of driving it. If you have had the car for more than one year, having GAP coverage will pay the difference between what your car is worth and up to 120 percent of the original loan amount, so you can get a car just like the one destroyed and still pay off the original loan or lease.
There are also a handful of states that require licensed drivers to carry a no fault option like medical payments coverage along with their liability coverage. There are also a few states that require that you add uninsured/underinsured motorists coverage along with your liability limits. Be sure that you are always in compliance with your state's car insurance coverage laws.
Save money with Ameriprise auto insurance new car policies
The cost of car insurance can add quite a bit to your monthly expenses if you do not check into any discounts you may be eligible to receive. If you use Ameriprise for other insurance needs, like life, renters or homeowner's coverage, you can get a discount on the premiums for all your policies.
There are also discounts for being a good driver or being a good student. The longer you have your policy with Ameriprise, the more you can save with a loyalty discount. Customers who have switched from another insurance company have saved as much as $400 a year after switching to Ameriprise. When you add up all the different discounts you are eligible for and the $100 deductible discount, you may find it's pretty painless to add the new car endorsements and still stay within your budget.
There's truly nothing like a new car and you will want to make sure you protect that investment with the right car insurance coverage. It might help you to visit with a local, licensed car insurance agent, even before you buy that new car. An agent can answer any questions you may have about coverage and may even be able to show you which cars are better over the long haul for insurance purposes. Reply! can connect you to car insurance professionals in your area who can help you decide if Ameriprise auto insurance new car policies are the best fit for you.