American National Insurance was founded in 1905 by William Lewis Moody Jr. It is a great option for anyone looking to bundle their insurance policies. The company is headquartered in Galveston Texas and offers a variety of products including auto, home and life insurance. It also provides renters insurance in all 50 US states and Puerto Rico. New York insurance products can be written by Farm Family Casualty Insurance Company or United Farm Family Insurance Company.
American National auto insurance received 3 stars out 5 for overall performance. Our editorial team determines NerdWallet’s ratings. The scoring formula considers pricing and discounts, filing claims quickly, website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.
Insurance coverage for car accidents.
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Although minimum coverage requirements may vary from one state to the next, most states require you to have car insurance in order to drive a car. This usually includes liability insurance as well as coverage for uninsured or underinsured motorists.
If you want extra protection, you may be interested in full coverage insurance. Full coverage doesn’t mean you have to buy a particular policy, but rather, a combination or types of coverage like comprehensive, collision, and liability insurance.
Below are the most popular types of car insurance coverage.
In addition to the usual car insurance coverages like roadside assistance, American National Insurance sells:
- Gap insurance, which pays the difference between the actual cash value of your car and the amount you owe on your car loan if your vehicle is totaled or stolen. To purchase gap insurance, you must have collision and comprehensive coverage.
- ACE insurance is a “added coverage endorsement” that covers the cost of replacing damaged parts.
These perks are included in auto insurance policies by American National, but they may not be available to all states.
- If you have auto and home insurance, you can get cash back. If you are not a victim of a claim for at least three years, you can get a portion of your premiums back.
- If your home and auto are both damaged by the same accident, you will need to pay one deductible. This amount is subtracted from the claim payout.
- If you are involved in an accident with another American National customer, your deductible may be reduced or eliminated.
American National homeowners insurance
American National offers standard homeowners insurance coverage, including temporary relocation coverage and identity theft protection. Condo owners can also get policies. Bundling your auto and home insurance can get you a multi-policy discount. If you aren’t a victim of a claim for at least three years, you may be eligible for cash back.
American National Life Insurance
Term life insurance policies are available for terms of five, 10, 15, 20 and 30 years.
The company also offers whole, universal, indexed universal and guaranteed universal life insurance, which are all types of permanent life insurance.
American National Insurance: Complaints
According to data from the National Association of Insurance Commissioners, American National Insurance received fewer complaints than expected to state regulators for its size in auto insurance. This is based on three years of data. It received more complaints than expected for home insurance and more than expected for life insurance.
Learn more about American National
Website: American National’s website allows you to report a claim, make a payment and submit a claim. However, it doesn’t provide much information about auto insurance discounts or home insurance discounts.
Mobile app: The American National app for Android and Apple devices can be used to view your policy, pay a bill or file a claim. Access your ID card to view it and request roadside assistance.
American National offers annuities, credit disability coverage, and auto and home insurance.
Guide to buying auto insurance
Before you can compare car insurance companies, it is important to gather basic information. This includes the driving record of all the policyholders, facts about your vehicle, and safety features. It is important to determine the type of coverage that you require. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Make sure you are aware of the options available to you from each company.
Compare rates between insurers to ensure that they offer the same coverage limits as deductibles. It is possible to make a decision based solely on the price. You should look at the number of complaints that each company has. These can indicate how high quality you might get.
You may be able buy insurance online, by phone, or through an agent, depending on the company you choose. For more guidance, see how to get car insurance.
