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American Express Auto Insurance Company Of California

American Express Auto Insurance Company of California is recognized nationwide as a provider of credit and protection.  They offer auto insurance in California as well as the other 50 states.  In California, American Express Auto Insurance Company goes under the name Ameriprise and is underwritten by Amex Assurance Company.

If you’re looking for an auto insurance company in CA, the information below will help you determine if American Express is a wise choice for you.

To save some time in your search for the best California car insurance company just enter your zip code into our free quote comparison tool at the top of the page to get started. Enter your info in just one time and then compare quotes from top insurance companies online!

California AmEx Auto Insurance: Know Your State Of CA Required Minimums

California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions and have auto liability insurance at minimum that covers $5,000 for property damage for any one accident, $15,000 for death or injury of any one person in any one accident and $30,000 for all persons in any one accident.

If you are already an American Express card holder, you may want to investigate the auto insurance coverage in California that they offer because card holders can save up to 35% on their California car insurance.

American Express Auto Insurance Company In California Terms

  • Liability – If you are at fault in an accident your liability coverage pays for all medical and repair costs for everyone involved.
  • Bodily Injury Liability Coverage – If you are responsible for the injury to someone else in an auto accident this coverage will protect you from things such as at the scene emergency aid, medical expenses, compensation for loss of income, funeral expenses, legal defense fees and/or bail bonds.
  • Property Damage Liability Coverage – This will cover structural damage to buildings, repair or placement for stationary objects and vehicle repair or replacement if you are at fault in an accident.
  • Collision Coverage – This will cover costs if your car collides with other vehicles or a tree or streetlight.  This helps pay for repairs or placement up to the actual cash value of your car.
  • Comprehensive Coverage – Comprehensive coverage covers damage to your car because of things like storms or vandalism.
  • Uninsured Motorist – This coverage pays for damage to your car or medical expenses if you are in an accident with a motorist that is uninsured or under insured.
  • Rental Car Reimbursement – Rental Car Reimbursement helps pay the cost of renting alternate transportation if your auto is disabled in an accident for more than 24 hours and is offered as part of most policies.

Provisions Enacted Under California Proposition 103 About Auto Insurance And Consumer Rights

  1. Good Driver Provision: As defined a Good Driver is a person who has been licensed for three years and has one or less points on their motor vehicle record. The consumer rights that are created from the Good Driver provision are that no insurer can refuse to offer coverage if you qualify as a Good Driver and that Insurer is required by law to provide a Good Driver discount of 20% to all eligible applicants.
  1. Cancellation/Non-Renewal Provisions: Once a automobile policy has been issued the only reason an insurer can cancel/non-renew that policy are fraud or material misrepresentation, nonpayment of premium (insurance company must give a 10 day notice prior to canceling for nonpayment) and a substantial increase in the hazards insured against.
  1. Determination of Rates: Determination of rates is based on the individuals driving safety record, the number of accidents you have been in (including no fault accidents), the number of miles driven in a given time frame and the number of years that the policy holder has been driving.

    Other things that can affect rates are marital status, make and model of the car (SUV’s are one of the more expensive automobiles to insure), your age, number of claims that you have filed, if you have gone more than 30 days without insurance, where your car is parked at night (rural vs. urban area), anti-theft devices, your deductible, your credit score and if there are any teenage drivers on the policy.

Ways To Lower Your American Express Auto Insurance Premium In California 

  • Raise your deductible.
  • Take a defensive driving course.
  • Install anti-theft devices.
  • Purchase multiple insurance policies from the same company. (American Express also offers homeowners insurance as well as travelers insurance). 

Compare American Express Car Insurance Company Of California Policies With Other Insurers Now

Use our free tool at the top of the page to get started comparing American Express Auto Insurance Company coverage against other providers in the state.  Get started finding the  best CA auto insurance company now!

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