Looking for dependable car insurance? I’m Melanie Lopez from Boston. Let me introduce you to American National Car Insurance. Founded in 1905 and offering auto insurance since 1973, it has built a solid reputation
The company provides coverage tailored to your needs. This is vital for both experienced and new drivers. Now, let’s explore why American National is a top choice
American National Car Insurance Benefits
Coverage Options with American National Car Insurance
When it comes to car insurance, coverage matters the most.
American National Car Insurance benefits include a range of options designed to suit different needs
- Minimum Liability Coverage – Covers injuries and property damage caused to others in an accident.
- Full Coverage – Includes liability, collision, and comprehensive coverage.
- Uninsured or Underinsured Motorist Coverage – Protects you from drivers with insufficient coverage.
- Roadside Assistance – Offers services like flat tire changes, gas delivery, lockout assistance, and towing.
| Coverage Type | Features |
| Minimum Liability | Covers damages to others caused by your vehicle. |
| Full Coverage | Includes collision and comprehensive coverage for your car. |
| Uninsured Motorist | Protects against drivers with little or no insurance. |
| Roadside Assistance | Emergency help for common car issues like towing and flat tires. |
These options protect you from accidents and breakdowns.
Competitive Pricing of American National Car Insurance
Affordability is another major benefit of American National Car Insurance. Here’s a breakdown of their pricing:
- Minimum Coverage Rates: Average $42 per month. Geico offers the lowest rate at $30 per month, followed by State Farm at $33.
- Full Coverage Rates: Average $120 per month. Geico’s full coverage is the most affordable at $80 per month, while Liberty Mutual charges $174.
| Coverage Type | American National | Geico | Liberty Mutual |
| Minimum Coverage | $42/month | $30/month | N/A |
| Full Coverage | $120/month | $80/month | $174/month |
Choosing American National can save you up to $648 a year over Liberty Mutual for full coverage.
Discounts with American National Car Insurance
Everyone loves saving money, and American National Car Insurance offers several discount opportunities
- Bundling Discounts – Save up to 18% by combining auto and home insurance.
- Paperless Billing Discounts – Save by opting for paperless statements.
- Claim-Free Discounts – Earn discounts for staying claim-free over two policy periods.
| Discount Type | Savings Potential |
| Bundling | Up to 18% when combining policies. |
| Paperless Billing | Reduced costs with electronic statements. |
| Claim-Free | Discounts for maintaining a clean claim history. |
Using these discounts can greatly reduce your premium. You will still have full coverage.
Pros and Cons of American National Car Insurance
Before choosing American National, it’s essential to weigh its pros and cons
Pros
- Available in all 50 states and Puerto Rico.
- Unique benefits like cashback for claim-free years.
- Multiple policy options for bundling.
Cons
- Limited discount availability.
- Mobile app needs improvement.
- Difficulty finding detailed information online.
| Pros | Cons |
| Available Nationwide | Limited discount options. |
| Cashback Benefits | Mobile app issues. |
| Policy Bundling Options | Difficult to access detailed information. |
Despite minor drawbacks, American National Car Insurance is a solid choice. Its stability and benefits make it so.
Financial Strength of American National
Financial stability is a critical factor in choosing insurance. Here’s why American National excels
- Rated A (Excellent) by A.M. Best, ensuring their ability to pay claims
- NAIC score of 0.87, indicating fewer complaints than average
This stability means you can trust them to be there when you need them the most.
Tips for Getting the Best Rates
To ensure you get the best value for your car insurance
- Compare rates from multiple providers
- Bundle your policies whenever possible
- Maintain a clean driving record
- Take advantage of all eligible discounts
Use tools like the free quote generator on sites like FreeAdvice.com to compare rates. It’s quick and easy
FAQs About American National Car Insurance benefits
Q1: What makes American National Car Insurance unique?
American National offers unique perks. They include cashback for claim-free years and discounts for bundling policies
Q2: Is American National available in all states?
Yes, it is available in all 50 states and Puerto Rico
Q3: How can I save on American National Car Insurance?
You can save by bundling policies, going paperless, and having no claims
Q4: What are the average monthly rates for American National?
The average monthly rate for minimum coverage is $42, while full coverage averages $120
Final Thoughts
Choosing car insurance can be tough. However, **American National Car Insurance** is a solid and reliable choice. It offers affordable rates and a variety of coverage options
I’m Melanie Lopez. I hope this guide helps you decide. Please share it and subscribe for more insights.
Melanie Lopez is a passionate content specialist at American National Car Insurance, dedicated to simplifying car insurance for every American driver. With years of industry expertise, she crafts informative and engaging articles to help users make confident insurance decisions.