Getting the Best Deal: A Close Look at American National Car Insurance

Finding the right car insurance can be a frustrating process. With so many options and factors to consider, it’s easy to feel overwhelmed That’s why in this article, we’ll be taking an in-depth look at American National car insurance

As one of the top auto insurance providers in the U.S., American National offers comprehensive coverage options at competitive rates But are they the best choice for your needs? By reviewing American National’s pros and cons, discounts, customer service reputation, and more, you’ll have the details you need to decide if their policies are a good fit

Overview of American National Car Insurance

American National Insurance Company was founded in 1905 in Galveston, Texas. Today, they provide a range of insurance products including auto, home, health, life, business, and farm and ranch policies across the U.S.

Some key facts about American National car insurance include:

• Available in 50 states – Policies are available nationwide although plan options, rates, and discounts vary by location.

• Range of coverage choices – In addition to minimum required liability insurance, they offer collision, comprehensive, uninsured/underinsured motorist, medical payments, and more.

• Specialized plans – Options are available for high-risk drivers, classic/antique vehicles, ATVs, motorcycles, and more.

• Focus on local agents – American National utilizes a network of local agents and does not sell direct-to-consumer online.

Pros of Choosing American National Car Insurance

So why might you choose to insure your vehicle through American National? Here are some of the biggest advantages:

• Local agents provide personalized service – American National focuses on local insurance agents who can get to know you, understand your unique needs, and provide tailored recommendations. You’ll work directly with the same agent anytime you need to make changes or file a claim.

• Competitive rates and discounts – Drivers who qualify can save on American National premiums through discounts like safe driver, anti-theft device, good student, multi-car, and multi-policy discounts. Bundling home or life insurance plans can also lower rates.

• Rideshare coverage available – For Uber and Lyft drivers, rideshare coverage through American National fills gaps between personal and commercial policies. This ensures you’re protected when driving for hire.

• Positive customer service reviews – American National customers frequently describe the company as reliable, responsive, and easy to work with. Their strong financial standing also provides peace of mind.

• Convenient payment options – Customers can pay 6-month or 12-month premiums and set up recurring automatic payments to avoid lapses in coverage.

• Efficient claims process – The company has a reputation for processing claims quickly and accurately. Local agents assist with filing claims and tracking progress.

Potential Drawbacks to Consider

While American National car insurance has many advantages, it’s important to keep the following potential downsides in mind:

• Limited choices in some states – American National is not available in Vermont or Massachusetts, and only offers minimal coverage options in Rhode Island due to state regulations.

• Higher rates for some drivers – While their rates are competitive, drivers younger than 25 or those with poor credit scores and driving records often pay higher than average premiums.

• Website lacks online account management – Because policies are sold through local agents, American National’s website does not have an online portal for managing your account or policy. Changes require contacting your agent.

• Fewer discounts than some companies – Compared to competitors like GEICO and State Farm, American National offers a more limited selection of discounts to lower your auto insurance costs.

• No accident forgiveness program – They also do not have an accident forgiveness program or disappearing deductible rewards to potentially curb rate hikes after claims.

American National Auto Insurance Costs and Discounts

American National car insurance rates are determined based on factors like your age, gender, marital status, driving record, vehicle year/make/model, and more. Where you live is also a key factor influencing American National costs.

To give you a sense of their average rates, here’s a look at estimated annual premiums from American National for a sample driver with a clean record:

• Arizona – $1,163
• Florida – $2,047
• Michigan – $2,267
• Texas – $1,515

Drivers who qualify can lower their costs by stacking multiple discounts, including:

• Safe driver discount – Up to 10% off for 5 years claim-free.
• Good student discount – 20% off for B average or better.
• Anti-theft device discount – Up to 15% off with VIN etching, alarm system, etc.
• Defensive driver discount – Varies by state for completing course.
• Advance quote discount – 10% off when getting a quote at least 7 days before your policy start date.

Bundling home or life insurance typically saves around 10-15% on premiums. Rideshare coverage can lower rates for Uber/Lyft drivers too.

Customer Satisfaction and Reviews

With auto insurance, it’s essential to go with a reliable company that will pay claims quickly and treat customers well. According to consumer reviews on sites like BBB, Consumer Affairs, and Google, American National customers are highly satisfied overall.

Positive feedback from users focuses on:

• Helpful, responsive agents – Many describe their local agents as friendly, professional, and quick to answer questions.

• Efficient claims process – Customers who filed claims said American National paid out quickly with minimal hassles.

• Competitive pricing – Most felt their rates were affordable, especially when bundling multiple policies.

• Strong financial reputation – Customers feel confident that American National will be there if they need to file a claim. Their A rating from A.M. Best supports their solid financial standing.

Top complaints mention issues like minimal coverage options in some states, struggles reaching corporate customer service, and difficulty canceling policies over the phone. However, negative reviews are far outnumbered by positive ones overall.

Is American National the Right Auto Insurer for You?

At the end of the day, choosing the best car insurance company comes down to weighing your priorities. Key questions to ask yourself include:

• Do you prefer working with a local insurance agent vs. managing policies online?
• Is it important to bundle auto insurance with other policies like home or life insurance?
• Does your driving and vehicle profile make you likely to pay higher or lower rates?
• Are you looking for specialized coverage like rideshare or classic car insurance?
• Do you qualify for American National’s key discounts and are they competitive for your situation?

Carefully comparing the pros and cons can provide the clarity needed to determine if American National is likely to provide the right mix of service, coverage, and savings for your needs. And always be sure to get quotes from multiple top providers before making any final decisions.

Finding great auto insurance rates doesn’t have to be frustrating. By taking the time to research companies like American National and weigh your options, you can feel confident knowing you’ve secured comprehensive coverage at a competitive price. With a little effort upfront, you can gain long-term financial protection and peace of mind.