I went to remove a sports car from my insurance and add a luxery car that was worth the same amount. Ameriprise that since there was a ticket from two years ago that I had lost the safe driver discount. The cost of that safe driver discount was $500. I have been a member with them through costco for a very long time. Since i am a veteran i was able to switch to usaa for a much lower rate. Stay away from ameriprise, if you have served in the armed forces check out usaa, i saved a bunch.