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finder.com's rating: 3.5 / 5
★★★★★
optional
Roadside assistance
New car protection
Accident forgiveness
States served | All 50 states |
---|---|
Roadside assistance | Optional |
Accident forgiveness | No |
New car protection | No |
Pay schedule | monthly |
Claims methods | online, phone |
Rideshare coverage | No |
SR-22 support |
No info available |
Anti-theft device discount | Yes |
---|---|
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | Yes |
Loyalty discount | Yes |
Homeowner discount | No |
Military discount | No |
Safety device discount | Yes |
Special employment discount | No |
Usage-based discount | No |
Other discounts | Claim-free cashback |
Review by
Gabrielle Pastorek is a staff writer at Finder, helping readers to round up the best deals, coupons, retailers, products and services to make sound financial decisions. She's written more than 800 articles on the site and is a quoted expert in Best Company and DealNews. She earned an MFA from the University of Pittsburgh, with essays and short stories published in The Collagist, Blue Monday Review, Blotterature and others. When she’s not writing, Gabrielle can be found out in the barn with her horse, Lucy.
If you’d like to bundle your home, auto, life or other types of insurance, American National offers plenty of discount opportunities that could save you in the long run. You’ll also find friendly local agents to help you with your questions and coverage needs, a plus if you enjoy that personal interaction.
However, if you’re just looking for standard car insurance, American National may be on the pricey side compared to other companies.
You’ll need to talk to a local agent to apply for coverage. Enter your ZIP code in the Find a Local Agent box on American National’s homepage. A list of agents within a 30-mile radius will pop up on the next page, along with their contact information.
American National offers lots of discounts, especially for bundling other types of insurance. Its savings opportunities include:
American National offers a long list of options that go beyond state minimum requirements.
You can get some free coverage if you add both comprehensive and collision coverage to your policy:
American National isn’t accredited or rated by the Better Business Bureau (BBB), as of October 2020. However, customer reviews on the BBB site gave the company a 1-star rating out of 5 stars, complaining about the mishandling of their claims process and underbidding on settlements. Some customers also reported problems with their insurance policy getting canceled.
You’ll find about 10 customer reviews on the BBB as well as nine complaints in the past three years, as of October 2020. These numbers are low compared to other insurance companies.
American National saw a 0.57 rating on the 2019 National Association of Insurance Commissioners complaint index. The national average complaint ratio is 1.00, factoring in the number of complaints relative to the company’s size. Overall, we’d prefer to see more customer reviews before giving a final verdict on the company’s customer service.
You can file a car insurance claim with American National one of three ways:
Have the following information on hand when filing your claim.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.