American National Car Insurance Review (2024)
American National Car Insurance offers a wide range of coverage based on your unique driver profile. Founded in 1905, American National has developed personalized options for customers, as well as 24/7 claim services and an A+ rating from the BBB.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: A
- Monthly Rates From:
- Types of Coverage: Annuity, Health, Life
- Customer Service & Claims Number: (800) 615-7372
Car insurance is important in order for drivers to stay safe and legal on the roads. It’s also important to know how car insurance works so that you don’t end up paying for coverage you don’t need. Below we’ll cover details about American National car insurance and everything you’ll need to know if you’re looking to request a quote from this company.
American National Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | American National | U.S. Average |
|---|---|---|
| Full Coverage | $125 | $119 |
| Minimum Coverage | $50 | $45 |
American National Car Insurance Cost
The cost of car insurance is a significant factor for drivers to consider when looking for coverage. American National Car Insurance offers a wide range of coverage options based on your unique driver profile.
However, it’s important to understand how car insurance costs are determined to ensure you get the coverage you need without overpaying. The cost of American National Car Insurance can vary depending on several factors, including:
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Driving Record: Your driving history plays a significant role in determining your insurance premium. A clean driving record with no accidents or traffic violations typically results in lower rates, while accidents and violations can lead to higher premiums.
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Age: Younger drivers, especially teenagers, tend to pay higher insurance rates due to their limited driving experience. Rates often decrease as you gain more driving experience and reach a certain age.
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Location: Your location can impact your insurance cost. Urban areas with higher traffic and a greater likelihood of accidents may have higher premiums compared to rural areas.
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Type of Vehicle: The make and model of your car can affect your insurance cost. High-performance or luxury vehicles typically come with higher premiums.
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Coverage Options: The level of coverage and additional options you choose will influence your premium. More extensive coverage and additional features will generally result in higher costs.
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Bundling: Many insurance companies, including American National, offer discounts for bundling multiple insurance policies, such as auto and home insurance. This can lead to savings on your premiums.
American National Car Insurance provides customers with the flexibility to customize their policies to meet their specific needs. You can also take advantage of various discounts to reduce your insurance costs. Some of the discounts offered by American National include safe driver discounts, multi-policy discounts, and more.
Contact American National Car Insurance to understand the specific requirements for discounts in your state, as they may vary. Additionally, you can request a quote to determine the exact cost of coverage based on your unique circumstances. By comparing quotes and considering the factors mentioned above, you can make informed decisions and select the right coverage while managing your insurance costs effectively.
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Types of American National Car Insurance Offered
No matter how much or how little you’re looking to spend, you will need some form of car insurance because the consequences of not buying car insurance can be expensive. American National Car Insurance offers a variety of products and services to meet the needs of its customers. These include:
- Liability Coverage. Liability coverage helps cover the costs associated with bodily injury and property damage that you are legally responsible for if you cause an accident. It includes bodily injury liability and property damage liability.
- Collision Coverage. Collision coverage helps pay for damage to your vehicle if you collide with another vehicle or object, regardless of who is at fault.
- Comprehensive Coverage. Comprehensive coverage helps pay for damage to your vehicle caused by events other than collisions, such as theft, fire, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage. Uninsured/Underinsured motorist coverage helps cover your expenses if you are involved in an accident with someone who does not have insurance or does not have enough insurance to cover your losses.
Customers can customize their policies with additional coverage options, such as:
- Roadside Assistance. This coverage provides assistance if your vehicle breaks down on the road. It can include services like towing, fuel delivery, and battery jump-starts.
- Rental Car Reimbursement. This coverage helps pay for the cost of a rental car while your vehicle is being repaired after an accident.
- Gap Coverage. This coverage helps pay the difference between what you owe on your vehicle and its actual cash value in the event of a total loss.
American National Car Insurance offers car insurance services in all 50 states and customers can get a quote and purchase policies online, over the phone, or through an agent. The cost of American National Car Insurance varies depending on factors such as the customer’s driving record, age, and location. Customers can bundle their car insurance with other policies such as home or life insurance for greater savings. Overall, American National Car Insurance provides a wide range of coverage options to meet the needs of its customers.
American National Car Insurance Discounts
American National Car Insurance offers a range of discounts to help customers save money on their premiums. Here are some of the discounts available and how to qualify for them:
- Multi-Car Discount. Customers can qualify for a multi-car discount if they insure more than one vehicle with American National Car Insurance.
- Safe Driver Discount. Customers who maintain a clean driving record for a certain period of time may qualify for a safe driver discount. The exact requirements for this discount vary by state.
- Good Student Discount. Full-time students who maintain a certain GPA (usually 3.0 or higher) may qualify for a good student discount.
- Anti-Theft Discount. Customers who have anti-theft devices installed in their vehicles may qualify for an anti-theft discount.
- Loyalty Discount. Customers who have been insured with American National Car Insurance for a certain period of time may qualify for a loyalty discount.
To qualify for these discounts, customers should contact American National Car Insurance to find out the specific requirements in their state. It’s worth noting that not all discounts are available in all states, so customers should check with the company to find out which discounts they may be eligible for. Additionally, some discounts may require proof of eligibility, such as a transcript for the good student car insurance discount or a certificate of installation for the anti-theft discount.
Overall, American National Car Insurance offers a range of discounts that can help customers save money on their premiums. By taking advantage of these discounts, customers can customize their policies to meet their specific needs and budget.
Navigating the Claims Process With American National Car Insurance
Ease of Filing a Claim
American National Car Insurance offers a streamlined and convenient claims process, allowing customers to file claims with ease. Whether you prefer to file a claim online, over the phone, or through mobile apps, American National provides multiple channels for reporting incidents and initiating the claims process.
This flexibility ensures that customers can choose the method that suits them best, making the claims process more accessible and hassle-free.
Average Claim Processing Time
One of the key factors that sets American National Car Insurance apart is its commitment to efficient claim processing. The company understands that timely resolutions are crucial for customers facing unexpected events. With a focus on prompt action, American National strives to minimize the time it takes to process claims. This dedication to quick and efficient claim handling enhances the overall customer experience.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction is at the forefront of American National’s approach to claims. The company values feedback from policyholders and continually works to improve its claim resolutions and payouts.
Positive customer feedback highlights American National’s commitment to providing fair and satisfactory claim settlements. This customer-centric approach underscores the company’s dedication to delivering on its promise of reliable and responsive service.
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Tech-Forward Solutions: American National Car Insurance’s Digital Features
Mobile App Features and Functionality
American National Car Insurance offers a user-friendly mobile app with a range of features and functionalities designed to enhance the policyholder experience. The app allows customers to manage their policies, access important documents, make payments, and even report and track claims—all from the convenience of their mobile devices.
The intuitive design and robust features of the app make it a valuable tool for policyholders on the go.
Online Account Management Capabilities
For customers who prefer online account management, American National provides a comprehensive web portal. This portal enables policyholders to access their accounts 24/7, review policy details, make updates, and track their insurance coverage. The online account management capabilities empower customers to have greater control over their policies and ensure that they are always well-informed about their coverage.
Digital Tools and Resources
American National Car Insurance offers a suite of digital tools and resources to assist customers in making informed insurance decisions. These resources include online calculators, educational articles, and interactive tools that help policyholders understand their coverage options and potential savings.
By providing these digital resources, American National empowers its customers to make well-informed choices when it comes to their insurance needs.
Customer Reviews for American National Car Insurance
American National Car Insurance has received positive reviews from many customers. Customers praise the company’s competitive rates, helpful customer service, and quick claims processing. Filing a car insurance claim is something that most drivers will want to be handled promptly and without hassle, so this is important. The company has an A+ rating from the Better Business Bureau, indicating its commitment to customer satisfaction.
American National Car Insurance History
If you are looking for car insurance coverage, American National Car Insurance is a great choice. Founded in 1905, American National Insurance Company is a well-established and reputable provider of car insurance, as well as a range of other insurance products. The company’s mission is to provide high-quality, affordable car insurance coverage and outstanding customer service to its customers.
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American National Car Insurance: In Conclusion
In summary, American National Car Insurance is a reputable provider of car insurance with a long history of providing excellent coverage and customer service. With a range of coverage options and discounts available, customers can customize their policies to meet their specific needs and save money on their premiums. If you are in the market for car insurance, American National Car Insurance is definitely worth considering.
Frequently Asked Questions
Where can you purchase American National car insurance?
American National car insurance is offered in all 50 states.
Will American National car insurance be expensive?
You can request a quote to see what you will end up paying monthly, but your rate will depend on a number of different factors. Your age, location, and the type of vehicle you’re driving will all determine what you pay.
What kinds of car insurance does American National offer?
You can choose collision, comprehensive, and a number of other different choices depending on what you want included in your car insurance policy.
How does the claims process work with American National Car Insurance?
American National Car Insurance provides a streamlined claims process. You can file a claim online, over the phone, or through their mobile app. They prioritize efficiency and aim for quick resolutions. Customer feedback indicates positive experiences with their claim resolutions and payouts, highlighting their commitment to customer satisfaction.
What digital features does American National Car Insurance offer?
American National Car Insurance offers a user-friendly mobile app, allowing policyholders to manage their policies, access documents, make payments, and file claims from their smartphones.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.