American National auto insurance is a policy offered by American National Insurance Company that covers liability, collision, comprehensive, uninsured motorist protection, and optional add-ons like roadside assistance and rental car reimbursement. It’s designed to protect you financially in case of accidents, theft, weather damage, or injury.
NobleQuote.com Presents: American National Auto Insurance – Your Complete Guide
Michael Kalamitsiotis
Published on: Jun 10, 2025
4 minutes
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DriveTime Review 2024/2025: Your Complete A–Z Guide to Buying a Car ThereWhen searching for dependable auto insurance, consumers are flooded with options from familiar giants to hidden gems. One name that consistently earns attention—yet often flies under the radar—is American National Auto Insurance. Whether you’re browsing auto insurance quotes, doing a car insurance comparison, or trying to find cheap auto insurance that doesn’t skimp on service, American National deserves a closer look.
In this complete guide presented by NobleQuote.com, we’ll dive deep into everything you need to know about American National Auto Insurance—from coverage options and discounts to customer service and how it compares to competitors like Geico or Progressive. We’ll also answer the most common questions consumers have, helping you make a confident, informed decision.
What Is American National Auto Insurance?
Founded in 1905, the American National Insurance Company (ANICO) is a well-established insurer offering a wide range of products, including auto, life, homeowners, and business insurance. Their auto insurance division provides comprehensive coverage tailored to fit both everyday drivers and high-mileage road warriors.
American National Auto Insurance is known for bundling policies, customer loyalty rewards, and offering strong financial stability—earning solid insurance ratings from agencies like AM Best (A rating for financial strength).
How Does American National Auto Insurance Work?
Just like other top insurance companies, American National allows customers to select and customize their car insurance policies. The company offers both basic and enhanced packages to ensure every type of driver can find a match.
To get an American National auto insurance quote, you can request a consultation online or through a partner like Noble Quote, who provides a zero-hassle process to compare car insurance quotes and find the best auto insurance plan for your needs.
American National Auto Insurance Coverage Options
American National offers a full range of types of auto insurance coverage, including:
- Liability Coverage – Covers bodily injury and property damage to others if you're at fault.
- Collision Insurance – Pays for damage to your vehicle from a collision with another vehicle or object.
- Comprehensive Insurance – Covers damage from theft, vandalism, hail, and other non-collision incidents.
- Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver with insufficient insurance.
- Medical Payments Coverage – Pays for medical expenses regardless of fault.
- Personal Injury Protection (PIP) – Covers medical and related expenses for you and passengers.
- Gap Insurance – Helps cover the difference between your car’s actual value and your loan balance.
- New Car Replacement – Offers reimbursement for a brand-new car if yours is totaled early in ownership.
- Custom Parts and Equipment Coverage – Extends protection to aftermarket accessories.
- Roadside Assistance – Offers towing, flat tire help, battery jump-start, and more.
- Rental Car Reimbursement – Covers rental vehicle costs during repairs after a covered incident.
American National Auto Insurance Discounts
Looking for cheap auto insurance without compromising coverage? American National offers multiple discounts, including:
- Bundling Discounts – Combine auto with home or life insurance.
- Multi-Vehicle Discounts – Save by insuring more than one car.
- Claim-Free Rewards – Earn cashback or reduced premiums for safe driving.
- Good Student Discounts – Lower rates for students with qualifying GPAs.
- Defensive Driving Course Discounts
- Low Mileage Discounts
- Automatic Payment Discounts
For more information on American National auto insurance discounts, visit their official website or use Noble Quote’s comparison tool.
American National Auto Insurance Pros and Cons
Pros:
- Wide range of coverage options, including niche items like custom parts coverage
- Generous bundling and loyalty rewards
- Strong financial stability
- Well-rated customer service for auto insurance support
- Flexible deductible choices
Cons:
- Fewer online tools compared to competitors
- Limited availability of local agents in certain areas
- Claims process may not be as fast as large competitors
The American National Claims Process
Filing a claim is straightforward and can be done through the customer portal, via phone, or through an agent. Here’s how to file a claim with American National auto insurance:
- Call the claims line or use the online system.
- Submit incident details and supporting documents (photos, police report).
- A claims adjuster will assess the damage.
- Once approved, payment or repairs are coordinated.
American National’s claims process prioritizes clear communication, though users on auto insurance reviews sites sometimes note minor delays. Source: NerdWallet
American National Auto Insurance vs. Competitors
When comparing American National Auto Insurance vs Geico, Progressive, or State Farm:
| Feature | American National | Geico | Progressive |
|---|---|---|---|
| Financial Strength | A (AM Best) | A++ (AM Best) | A+ (AM Best) |
| Claim-Free Rewards | ✅ | ❌ | ✅ |
| Bundling Discounts | ✅ | ✅ | ✅ |
| Local Agents | Moderate | Limited | Moderate |
| Online Quote Tools | Basic | Advanced | Advanced |
| Customer Satisfaction (J.D. Power) | Above Average | High | Average |
While Geico leads in tech-driven tools and low pricing, American National offers deeper value for multi-policy households and loyal customers.
Final Thoughts: Is American National Right for You?
If you’re searching for reliable, personalized coverage that rewards safe driving and policy loyalty, American National Auto Insurance is worth a serious look. While not the most tech-forward brand, they excel in customer retention, multi-policy discounts, and comprehensive coverage options that many large insurers treat as premium add-ons.
Use NobleQuote to receive a custom auto insurance quote today and compare plans that match your needs and budget.
Ready to take the wheel on smarter insurance? Visit NobleQuote.com to get started.
And don’t forget to explore more insights like this in our Learning Center.
FAQ: Everything You Need to Know About American National Auto Insurance
What is American National auto insurance and what does it cover?
Is American National a good insurance company for car coverage?
Yes, American National is considered a reliable auto insurance provider with strong financial ratings from AM Best (rated A) and a reputation for customer loyalty rewards, bundling discounts, and flexible coverage options. It's particularly beneficial for policyholders looking for long-term value and personalized service.
How much does American National auto insurance typically cost?
The cost of American National auto insurance varies by driver profile, location, vehicle type, and chosen coverage. On average, premiums are competitive with national insurers, and discounts for bundling, safe driving, and low mileage can reduce rates significantly. The best way to estimate your rate is to request a custom quote.
What discounts are available with American National auto insurance?
American National offers several discounts, including multi-policy bundling, good student discounts, claim-free rewards, safe driver incentives, low mileage discounts, and reduced rates for defensive driving course completion. These can help lower your monthly premium substantially.
How do I get a quote from American National auto insurance?
You can get a quote by visiting their official website or through trusted partners like NobleQuote.com. Simply provide details about your vehicle, driving history, and coverage needs. A licensed agent typically follows up within minutes to offer a personalized quote.
Does American National auto insurance include roadside assistance?
Yes, roadside assistance is available as an optional add-on. It includes towing, flat tire changes, battery jump-starts, lockout service, and emergency fuel delivery. This feature adds peace of mind if you experience car trouble on the road.
How do I file a claim with American National auto insurance?
To file a claim, call their claims number, log into your online account, or contact your local agent. You’ll need to provide your policy number, accident details, and any supporting documentation. A claims adjuster will guide you through the next steps, including damage assessment and repair approval.
Does American National auto insurance cover rental cars during repairs?
Yes, if you select rental car reimbursement coverage. This option pays for a rental vehicle while your insured car is being repaired due to a covered accident. It’s a helpful feature to avoid transportation disruption during claims.
What are the pros and cons of American National auto insurance?
Pros include competitive rates, strong financial backing, unique loyalty perks, customizable coverage, and great bundling options. Cons may include fewer digital tools and a more traditional claims process compared to tech-first insurers like Geico or Progressive.
Can I bundle American National auto insurance with home or life insurance?
Absolutely. American National encourages bundling and offers substantial discounts when you combine auto insurance with home, renters, or life insurance policies. This not only simplifies management but can save you hundreds annually.
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