American National vs Auto-Owners Car Insurance for 2023

When it comes to car insurance, it can be overwhelming to choose the right provider. American National and Auto-Owners are two companies that offer a wide range of coverage options and discounts for safe driving and multiple policies.

• Both companies have high financial strength ratings, indicating they have the ability to pay out claims.
• American National and Auto-Owners offer a wide range of coverage options, including liability, collision, comprehensive, and more.
• American National and Auto-Owners both offer discounts for safe driving and multiple policies.

In this review, we will compare American National car insurance vs Auto-Owners car insurance, providing you with the information you need to make an informed decision.

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.

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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