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Reviews and Ratings American National Insurance
Available in all 50 states and Puerto Rico. It has less than the expected number of auto insurance claims. It does not offer a rideshare insurance.
Founded in 1905 by William Lewis Moody Jr., American National Insurance could be a good choice for anyone looking to group insurance products. Headquartered in Galveston, Texas, the company offers a wide range of products, including auto, home, life and renters insurance in all 50 states. New York insurance products are produced by the Farm Family Casualty Insurance Company, the United Farm Family Insurance Company and the American National Life Insurance Company.
American national auto insurance
American National auto insurance has earned 3.5 out of 5 stars for overall performance. NerdWallet ratings are determined by our editorial team. The scoring formula takes into account prices and discounts, the ease of filing a complaint, the transparency of the website, the financial strength, the complaint data of the National Association of Insurance Commissioners and more.
»MORE: The best auto insurance companies for 2020
In addition to the usual auto insurance coverage such as roadside assistance, American National Insurance sells:
Gap insurance, which pays the difference between your car's actual cash value and the amount you owe on the car loan if your vehicle is added up or stolen. Full coverage and collision coverage is required to purchase gap insurance.
ACE insurance, which means "adding insurance coverage", when it is necessary to replace parts of a damaged vehicle. This includes vehicle repair with new original equipment manufacturer (OEM) parts, vehicle replacement for new cars, and up to $ 100 coverage of personal items. Insurance for renters and homeowners also provides coverage in some cases in the event of theft or destruction of personal belongings.
American National auto insurance policies include these benefits (although they may not be available in all states):
Reimbursement program if you have both auto and home policies. You can earn a percentage of your rewards if you stay without complaints for three years.
Pay a deductible, the amount subtracted from the payment of a claim, if your car and home are damaged by the same accident and you have both policies through American National Insurance.
Discounted or non-deductible if you are in a car accident with another American National customer.
If you purchase full and collision insurance, the benefits include:
»OTHER: Auto Insurance Quotes: What You Need to Know
American National auto insurance discounts include:
Discount if you request a policy before the end of the current one.
Discount if you group auto, home and life insurance.
»MORE: Compare auto insurance rates
American national insurance for homeowners
American National offers standard insurance coverage for homeowners. Policies are also available for condominium owners. Home insurance discounts include a discount on multiple policies.
American national life insurance
Term life insurance policies are available for five, 10, 15, 20 and 30 years.
The company also offers universal, universal, indexed and universal universal life insurance, which are all types of permanent life insurance.
Amid the COVID-19 pandemic, not all companies accept new life insurance applications. For the latest information on how to deal with financial stress during this emergency, see the NerdWallet financial guide at COVID-19.
American National Insurance Claims
American National Insurance has filed fewer claims than state regulators with respect to its size for auto insurance, according to three-year data provided by the National Association of Insurance Commissioners. He had almost the expected number of claims for home insurance and more than the expected number of claims for life insurance.
More information on American National
Website: The American National website allows you to report a claim and make a payment, but it doesn't offer much information about auto or home insurance discounts.
Mobile app: You can use the American National app on Apple or Android devices to view your policies, make a payment or report a complaint. You can also access your identity card and request roadside assistance.
In addition to auto and home insurance, American National sells annuities and special products such as coverage for credit disabilities.
In summary: pros and cons of the American national team
Auto insurance rating methodology
NerdWallet's auto insurance classifications reward companies for the features and prime practices for customers. The ratings are based on weighted averages of the scores in different categories, including financial strength, consumer complaints, website transparency and economic convenience. Using our editorial discretion, we also take into account customer satisfaction surveys. These ratings are a guide, but we encourage you to look around and compare different insurance quotes to find the best rate for you. NerdWallet does not receive any compensation for any reviews. Read our editorial guidelines.
Methodology: claims from the insurer
NerdWallet reviewed complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare each other, NAIC calculates a claims index for each branch each year, measuring its share of total claims in relation to its size or the share of total premiums in the industry. To assess the history of a company's claims, NerdWallet calculated a similar index for each insurer, weighted by the market shares of each branch, over the three-year period. The ratios are determined separately for auto, home and life insurance.