American National Car Insurance Review [2020]

American National car insurance offers multiple discount options including good student, passive restraint, and multi-vehicle. American National has an "A" financial rating from A.M. Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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Company Details
Address: One Moody Plaza 17th Fl
City: Galveston
State: TX
ZIP Code: 77550-7999
Phone Number: 409-763-4661
Year Founded: 1905
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

In a nutshell...

  • American National deals primarily in specialty insurance, as well as basic auto
  • American National does offer a clear definition of what collision and comprehensive coverage are on their website, as well as the definition of the other coverage they offer on the policy
  • American National offers discounts for bundling home, auto and life insurance

American National deals primarily in specialty insurance, as well as providing a basic auto insurance policy. Their website is easy to navigate and full of great information. However, their online quote system was not working, which is a disappointing feature. However, their coverage offerings and customer reviews may make up for that. You can also contact any one of their agents for assistance instead. Across the board they seem to have a fairly strong business profile.

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What does American National offer customers?

American National does in fact offer a clear definition of what collision and comprehensive coverage are on their website, as well as the definition of the other coverage they offer, so you can check what will come included with your policy.

This takes some of the confusion and guess work out when choosing a policy that is right for you.

Another good aspect with American National as a company is the many discounts it offers. Such as:

  • The good student discount
  • The passive restraint discount
  • The ticket free discount
  • Special rates for drivers over 45 years old

Coverage discounts are important because it can end up cutting the cost of what you pay for your policy, allowing you to possibly add on other policy options. There are always a wide range of coverage options offered, but the more you have, the more you pay. Most customers want a variety of options, but it always boils down to how much one can afford to spend. That’s why even though a company may not have the lowest rates, you should still consider them, because they may have ways you can save money.

American National also offered no deductible for windshield repair, and a cash back program for individuals who stayed claim free for three years straight.

As with most insurance companies, if you have your life, auto and homeowners insurance with American National, you get a special rate. Bundling your insurance options can typically save you money. Given the wide variety of coverage options that American National offers, this may very well be a good solution for you.

Although the American National online quote process didn’t work, and the customer service was not 24 hours, there are still a lot of good things about this company.

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What are customers saying?

The overall customer reviews for this insurance company are good, with many customers saying they are satisfied with the customer service and have had an overall good experience with them.

Customer satisfaction is important when you’re shopping around for a provider, because you’ll be given perspective on numerous facets of the company. If the customer ratings are low because of high monthly premiums and not a great selection of financial products, then you may want to take your business elsewhere. However, if a company has few no to customer complaints and they have a large amount of policy types, you could end up considering them as a contender for your business.

If you are looking for a smaller, well-balanced company that will provide you with excellent service and assistance, I would recommend this one.

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  1. https://www.anico.com/

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