American National vs Auto-Owners Car Insurance for 2023
American National and Auto-Owners, two stalwarts in the car insurance landscape, present distinct offerings and benefits, making the choice between them a crucial decision for potential policyholders.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Analyzing the intricacies of car insurance rates across varying customer profiles illuminates the divergent offerings of American National and Auto-Owners. A comprehensive examination of factors such as credit score, mileage, coverage level, and driving record unveils distinct advantages for different customer segments. From excellent rates for high credit score individuals to favorable premiums for low mileage drivers and those with pristine driving records, a nuanced evaluation portrays Auto-Owners as the standout choice for competitive rates across multiple customer profiles.
| Factors | American National | Auto-Owners |
|---|---|---|
| Clean Record | $85 | $87 |
| 1+ Ticket | $110 | $105 |
| 1+ Accident | $125 | $127 |
| DUI | $140 | $130 |
| Poor Credit | $146 | $150 |
| Discounts | American National | Auto-Owners |
|---|---|---|
| Anti Theft | 5% | 5% |
| Good Student | 10% | 10% |
| Low Mileage | 10% | 10% |
| Paperless | 7% | 7% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 10% |
American National Car Insurance
Pros:
- Established Reputation: With a founding date in 1905, American National boasts a long-standing presence and experience in the insurance industry.
- Comprehensive Coverage: Offers a wide range of insurance products, including auto, home, life, health, and business insurance.
- Nationwide Availability: Provides car insurance coverage in all 50 states, Washington D.C., and Puerto Rico, ensuring widespread accessibility.
Cons:
- Mixed Customer Reviews: While many customers appreciate competitive rates and friendly service, some report issues with claims denials and difficulty contacting customer service.
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Auto-Owners Car Insurance
Pros:
- Strong Customer Reviews: Enjoys positive customer reviews, particularly for excellent customer service, fast claims handling, and competitive rates.
- Multiple Policy Discounts: Offers significant discounts for bundling home and auto insurance, appealing to customers seeking multiple policies.
- Technological Advancements: Provides mobile apps and online account management, enhancing customer experience with convenient features.
Cons:
- Limited Geographic Presence: Operates in 26 states, potentially limiting coverage options for customers residing outside these states.
- Varied Customer Feedback: While many customers praise the company, some report delays in claims handling and issues with discounts.
Best Overall: Auto-Owners Car Insurance
After a comprehensive review of American National and Auto-Owners car insurance, Auto-Owners emerges as the preferred choice for the best overall car insurance provider. While both companies exhibit strengths, Auto-Owners’ combination of competitive rates, strong customer reviews, and technological advancements positions it as the superior option.
Competitive Rates and Discounts: Auto-Owners not only offers competitive rates but also provides substantial discounts, particularly for policyholders bundling home and auto insurance. The company’s commitment to affordability is evident in positive customer feedback highlighting fair pricing and various discount opportunities.
Strong Customer Reviews: Customer satisfaction plays a crucial role in assessing an insurance company’s performance. Auto-Owners consistently receives high praise for its excellent customer service, efficient claims handling, and competitive rates. While American National has positive reviews, Auto-Owners’ more widespread acclaim positions it as the preferred choice for customer satisfaction.
Technological Advancements: In today’s digital age, user-friendly technology enhances the overall customer experience. Auto-Owners’ mobile apps, online account management, and other digital tools provide policyholders with convenient and efficient ways to manage their insurance needs. This commitment to technological advancements aligns with the evolving expectations of modern consumers.
Considering the factors of competitive rates, positive customer reviews, and technological advancements, Auto-Owners stands out as the best overall car insurance company. While individual preferences and specific needs may influence the decision, Auto-Owners’ well-rounded performance makes it a top choice for those seeking reliable and customer-centric car insurance coverage.
History and Mission: American National vs. Auto-Owners
American National was founded in 1905 and is headquartered in Galveston, Texas. Their mission is to be the company of choice for insurance and other financial products and services while maintaining their core values of financial strength, integrity, respect, service, and teamwork.
Auto-Owners was founded in 1916 and is headquartered in Lansing, Michigan. Their mission is to provide their policyholders with excellent customer service and quality insurance products while maintaining financial stability.
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Products and Services Offered: American National vs. Auto-Owners Car Insurance
American National offers a wide range of insurance products, including auto, home, life, health, and business insurance. Here is a breakdown of their auto insurance policies:
- Liability Coverage: This coverage is required in most states and provides protection if you’re found to be at fault in an accident. It includes bodily injury liability and property damage liability.
- Collision Coverage: This coverage helps pay for repairs to your car if you’re in an accident, regardless of who’s at fault.
- Comprehensive Coverage: This coverage helps pay for damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): This coverage helps pay for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who’s at fault.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you’re in an accident with someone who doesn’t have enough insurance to cover the damages.
In addition to these standard coverages, American National offers a range of optional coverages, including:
- Rental Reimbursement Coverage: This coverage helps pay for a rental car while your car is being repaired after an accident.
- Roadside Assistance Coverage: This coverage provides services such as towing, jump-starts, and lockout assistance.
- GAP Coverage: This coverage helps pay off the remaining balance on your car loan or lease if your car is totaled in an accident and the insurance payout is not enough to cover the full amount owed.
Auto-Owners also offers a wide range of insurance products, including auto, home, life, and business insurance. Here is a breakdown of their auto insurance policies:
- Liability Coverage: This coverage is required in most states and provides protection if you’re found to be at fault in an accident. It includes bodily injury liability and property damage liability.
- Collision Coverage: This coverage helps pay for repairs to your car if you’re in an accident, regardless of who’s at fault.
- Comprehensive Coverage: This coverage helps pay for damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): This coverage helps pay for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who’s at fault.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you’re in an accident with someone who doesn’t have enough insurance to cover the damages.
Auto-Owners also offers a range of optional coverages, including:
- Rental Reimbursement Coverage: This coverage helps pay for a rental car while your car is being repaired after an accident.
- Road Trouble Service: This coverage provides services such as towing, jump-starts, and lockout assistance.
- GAP Coverage: This coverage helps pay off the remaining balance on your car loan or lease if your car is totaled in an accident and the insurance payout is not enough to cover the full amount owed.
- Pet Injury Coverage: This coverage helps pay for veterinary expenses if your pet is injured in an accident while riding in your car.
- Custom Equipment Coverage: This coverage helps pay for repairs or replacements to custom equipment installed in your car, such as a stereo system or custom wheels.
It’s worth noting that both American National and Auto-Owners offer additional types of insurance coverage beyond just car insurance.
Cost of Coverage: American National vs. Auto-Owners Car Insurance
The cost of car insurance can vary widely depending on a number of factors, including your age, driving record, location, the type of car you drive, and the level of coverage you choose. Generally speaking, younger drivers with less experience and a less-than-perfect driving record will pay more for insurance than older, more experienced drivers with a clean driving record.
When it comes to getting a quote for car insurance from American National or Auto-Owners, both companies offer online quote tools that can give you an idea of what you can expect to pay for coverage.
To get a quote from American National, you can visit their website and fill out their online quote form. To get a quote from Auto-Owners, you can visit their website and click on the “Get a Quote” button, which will take you to a page where you can enter your information and receive a quote.
It’s worth noting that while cost is an important factor to consider when choosing a car insurance company, it’s not the only factor. You’ll also want to consider things like the level of coverage you need, the quality of customer service offered by the company, and any additional perks or discounts they may offer.
States Offering American National and Auto Owners Car Insurance
American National offers car insurance coverage in all 50 states, as well as in Washington D.C. and Puerto Rico. This means that no matter where you live in the United States, you should be able to get coverage from American National.
Auto-Owners, on the other hand, operates in 26 states across the country. These states include:
- Alabama
- Arizona
- Arkansas
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Michigan
- Minnesota
- Missouri
- Nebraska
- North Carolina
- North Dakota
- Ohio
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Utah
- Virginia
- Wisconsin
If you live in one of these states, you may be able to get car insurance coverage from Auto-Owners. However, if you live in a state that is not on this list, you will need to look for coverage from another provider.
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Discounts Available: American National vs. Auto-Owners Car Insurance
American National offers a variety of discounts to its customers, including:
- Multi-policy discount: Customers can save money by bundling their car insurance with other policies, such as home or life insurance.
- Safe driver discount: Customers who have a clean driving record for a certain period of time may be eligible for this discount.
- Good student discount: Full-time students who maintain a certain grade point average may be eligible for this discount.
- Anti-theft device discount: Customers who install anti-theft devices in their vehicles may be eligible for this discount.
- Accident-free discount: Customers who have been accident-free for a certain period of time may be eligible for this discount.
Auto-Owners also offers a variety of discounts to its customers, including:
- Multi-policy discount: Customers can save money by bundling their car insurance with other policies, such as home or umbrella insurance.
- Safe driver discount: Customers who have a clean driving record for a certain period of time may be eligible for this discount.
- Paid-in-full discount: Customers who pay their annual premium in full may be eligible for this discount.
- Good student discount: Full-time students who maintain a certain grade point average may be eligible for this discount.
- Anti-theft device discount: Customers who install anti-theft devices in their vehicles may be eligible for this discount.
- Mature driver discount: Customers who are over a certain age and have completed an approved defensive driving course may be eligible for this discount.
It’s important to note that not all discounts may be available in every state, and the specific requirements for each discount may vary. When you’re shopping for car insurance, be sure to ask about the available discounts and whether you qualify for them. Taking advantage of discounts can help you save money on your car insurance premiums.
Case Studies: American National vs. Auto-Owners Car Insurance
Case Study 1: John’s Safe Driving Discount
John, a 35-year-old driver with a clean driving record, was looking for car insurance that would reward his safe driving habits. He compared quotes from American National and Auto-Owners and found that both companies offered safe driving discounts. However, Auto-Owners provided a higher percentage discount for drivers with a clean record, making it a more cost-effective option for John.
Case Study 2: Sarah’s Multiple Policy Discount
Sarah, a homeowner, was seeking car insurance coverage along with a homeowners insurance policy. She compared American National and Auto-Owners and discovered that both companies offered multiple policy discounts. However, American National provided a more significant discount for bundling home and auto insurance, making it the more affordable choice for Sarah.
Case Study 3: Michael’s Claims Experience
Michael, a previous customer of both American National and Auto-Owners, had filed a claim with each company. He found that American National had a smoother and more efficient claims process, with responsive customer service and quick settlements.
On the other hand, Auto-Owners had some delays in claims handling and required more paperwork. Based on his experience, Michael preferred American National for their superior claims service.
Navigating American National vs. Auto-Owners Claims Process
Ease of Filing a Claim
Both American National and Auto-Owners offer multiple channels for filing insurance claims, ensuring convenience for their policyholders. You can file a claim with both companies online, over the phone, or through their respective mobile apps. This flexibility allows you to choose the method that suits your preferences and needs.
Average Claim Processing Time
The speed at which an insurance company processes claims is a crucial factor in customer satisfaction. Both American National and Auto-Owners aim to provide efficient claim processing. However, the actual processing time may vary depending on the complexity of the claim and other factors. It’s advisable to contact your insurance company for specific information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback can provide valuable insights into the claim resolution and payout experience with insurance companies. American National and Auto-Owners have received mixed feedback from customers regarding their claims process.
Some customers have praised their ease of use and responsiveness, while others have reported issues with claims denials and delays. It’s essential to consider this feedback and conduct thorough research when evaluating these companies for your insurance needs.
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Unveiling Digital and Technological Advancements of American National vs. Auto-Owners
Mobile App Features and Functionality
Both American National and Auto-Owners offer mobile apps to enhance the customer experience. These apps typically allow policyholders to access their policy information, make payments, and even file claims directly from their mobile devices. The specific features and functionality of these apps may vary, so it’s recommended to explore them to determine which aligns better with your preferences.
Online Account Management Capabilities
Managing your insurance policy online has become increasingly important in today’s digital age. Both American National and Auto-Owners provide online account management capabilities, enabling policyholders to access their accounts, view policy details, make payments, and update information from their computers or mobile devices. These online portals offer convenience and flexibility for policyholders.
Digital Tools and Resources
In addition to mobile apps and online account management, insurance companies often offer various digital tools and resources to help policyholders make informed decisions. These tools may include rate calculators, coverage calculators, and educational resources about insurance products and topics.
Exploring the digital resources offered by American National and Auto-Owners can provide you with valuable information and assistance in managing your insurance needs effectively.
Customer Reviews: American National vs Auto-Owners
American National
American National has generally positive customer reviews online. On the Better Business Bureau (BBB) website, the company has an A+ rating and an average of 3.5 out of 5 stars based on over 150 customer reviews. Some customers praise the company for its affordable rates, friendly customer service, and easy claims process. Others have reported issues with claims denials and difficulty getting in touch with customer service.
On ConsumerAffairs, American National has an overall rating of 3.5 out of 5 stars based on over 70 customer reviews. Some customers have praised the company’s competitive rates, helpful customer service, and easy claims process. However, others have reported issues with claims handling and delays in getting repairs made.
Auto-Owners
Auto-Owners has generally positive customer reviews online. On the BBB website, the company has an A+ rating and an average of 4.4 out of 5 stars based on over 200 customer reviews. Many customers praise the company for its excellent customer service, fast claims handling, and affordable rates. Some customers have also reported positive experiences with the company’s discounts and coverage options.
On Consumer Affairs, Auto-Owners has an overall rating of 4 out of 5 stars based on over 100 customer reviews. Many customers praise the company for its responsive customer service, fair claims handling, and competitive rates. Some customers have also reported positive experiences with the company’s discounts and coverage options.
In Summary: American National vs Auto-Owners Car Insurance
In conclusion, American National and Auto-Owners are both reputable car insurance companies that offer a range of products and services to customers across multiple states in the United States. Both companies have generally positive customer reviews, although there are some negative experiences reported by customers for each company.
When considering which car insurance company to choose, it’s important to do your own research, compare rates and coverage options, and read reviews from multiple sources. Ultimately, the best car insurance company for you will depend on your individual needs and preferences.
By doing your homework and taking the time to compare your options, you can make an informed decision and feel confident that you’ve chosen the right car insurance coverage for you and your vehicle.
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Frequently Asked Questions
How can I get a quote for car insurance from American National?
You can get a quote online through American National’s website, or by contacting a local agent.
What is the claims process with American National?
You can report a claim 24/7 online or by calling the company’s claims center. Once your claim is filed, an adjuster will be assigned to your case and will guide you through the process.
How can I get a quote for car insurance from Auto-Owners?
You can get a quote online through Auto-Owners’ website, or by contacting a local agent.
What is the claims process with Auto-Owners?
You can report a claim 24/7 online or by calling the company’s claims center. Once your claim is filed, an adjuster will be assigned to your case and will guide you through the process
Can I manage my Auto-Owners car insurance policy online?
A: Yes, you can manage your policy online through the company’s website, including making payments and accessing policy documents.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.