American National vs Century Car Insurance for 2023

When it comes to car insurance, choosing the right company can be a daunting task. With so many options available, it can be challenging to know which one to choose.

Two popular car insurance companies that consumers often compare are American National car insurance and Century car insurance.

• American National has been providing insurance products for over a century, making them a highly experienced and reputable company in the industry.
• Century Insurance is known for offering low-cost car insurance policies with flexible payment options.
• Both companies offer a variety of discounts to customers, making their policies more affordable and accessible.

In this article, we’ll compare American National vs Century car insurance, providing you with detailed information about their history, mission, products, services, pricing, discounts, and customer reviews. We hope this article will help you make an informed decision when choosing a car insurance provider.

History and Mission: American National and Century

American National was founded in 1905 in Galveston, Texas, with the mission to provide financial security to its customers. Today, the company offers a range of insurance products, including auto, home, life, and health insurance, among others. They operate in all 50 states and the District of Columbia.

Century Insurance was established in 1956 in California, with the goal of providing affordable car insurance to its customers. The company has since expanded to other states and is now available in Arizona, California, Nevada, Oregon, and Washington.

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Coverage Options Available

American National offers a range of insurance products, including auto, home, life, health, and business insurance. In terms of auto insurance, they offer liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.

Home insurance policies from American National provide coverage for the structure of the home, personal belongings, and liability protection.

Life insurance policies offered by American National include term life insurance, whole life insurance, and universal life insurance.

Health insurance policies from American National include major medical plans, short-term medical plans, and supplemental plans such as dental, vision, and disability insurance.

Business insurance policies from American National include general liability insurance, commercial auto insurance, workers’ compensation insurance, and commercial property insurance. They also offer business interruption insurance and cyber liability insurance.

In terms of Century Insurance’s offerings, they specialize in providing car insurance policies that include liability, collision, comprehensive, and uninsured motorist coverage. They offer flexible payment options, including monthly, bi-annual, and annual payment plans, and they also offer discounts for customers who pay in full.

Both American National and Century Insurance offer a variety of insurance products to meet the needs of their customers. American National has a broader range of insurance products, including home, life, health, and business insurance, while Century Insurance specializes in providing affordable car insurance policies with flexible payment options.

States Where American National and Century Insurance Offers Coverage

American National Insurance Company operates in all 50 states and the District of Columbia. This means that customers across the country can purchase insurance policies from American National.

Century Insurance operates in five states: Arizona, California, Nevada, Oregon, and Washington. If you are a resident of one of these states, you can purchase car insurance policies from Century Insurance.

It’s important to note that the availability of insurance products and coverage options can vary by state, so it’s always a good idea to check with the insurance company or an independent insurance agent in your area to see what options are available to you.

Cost of Insurance

It’s worth noting that both companies offer competitive rates and a variety of discounts that can help customers save money on their insurance policies.

When it comes to the cost of insurance, it’s important to keep in mind that the cost of coverage can vary widely depending on a number of factors, including the type of coverage you need, the amount of coverage you require, and your individual risk factors.

The best way to determine the cost of coverage is to get a personalized quote from the insurance company or an independent insurance agent in your area, who can help you find the coverage that meets your needs at a price you can afford.

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Offered Discounts at American National and Century Insurance

Both American National and Century Insurance offer a range of discounts that can help customers save money on their car insurance policies. Here’s a breakdown of the discounts offered by each company:

American National:

• Good Driver Discount: American National rewards safe drivers with a discount on their premiums. If you have a clean driving record and have not been involved in any accidents, you may be eligible for this discount.
• Good Student Discount: If you’re a student who maintains good grades, you may be eligible for a discount on your car insurance policy.
• Multiple Policy Discount: If you have more than one policy with American National, such as home insurance or life insurance, you may be eligible for a discount on your car insurance policy.
• Safety Features Discount: American National offers discounts for safety features such as anti-lock brakes, airbags, and anti-theft devices.
• Accident-Free Discount: If you have been insured with American National for a certain period of time without any accidents, you may be eligible for a discount on your policy.
• Loyalty Discount: If you have been with American National for a certain number of years, you may be eligible for a loyalty discount.
• Early Signing Discount: If you sign up for a policy with American National before your current policy expires, you may be eligible for an early signing discount.

Century Insurance:

• Safe Driver Discount: Century Insurance rewards safe drivers with a discount on their premiums. If you have a clean driving record and have not been involved in any accidents, you may be eligible for this discount.
• Good Student Discount: If you’re a student who maintains good grades, you may be eligible for a discount on your car insurance policy.
• Multi-Policy Discount: If you have more than one policy with Century Insurance, such as home insurance or renters insurance, you may be eligible for a discount on your car insurance policy.
• Paid-In-Full Discount: If you pay your car insurance premiums in full, you may be eligible for a discount on your policy.
• Safety Features Discount: Century Insurance offers discounts for safety features such as anti-lock brakes, airbags, and anti-theft devices.
• Good Credit Discount: Century Insurance may offer a discount to customers who have a good credit score.
• Hybrid Vehicle Discount: If you drive a hybrid vehicle, you may be eligible for a discount on your car insurance policy with Century Insurance.

It’s worth noting that the discounts offered by both companies can vary by state and may not be available in all areas. Additionally, the availability of discounts may be subject to certain eligibility requirements. To determine which discounts you may be eligible for, it’s best to contact the insurance company or an independent insurance agent in your area.

Customer Feedback for American National and Century Insurance

According to customer reviews on sites such as Trustpilot and Consumer Affairs, American National has a generally positive reputation for its car insurance products and customer service. Many customers praise the company for its competitive rates and helpful agents.

Customer reviews for Century Insurance are also generally positive, with many customers praising the company’s competitive rates and excellent customer service. However, some customers have reported issues with claims processing and difficulty in canceling policies.

It’s worth noting that customer reviews should be taken with a grain of salt, as experiences can vary greatly depending on individual circumstances.

Additionally, customer reviews should be considered alongside other factors such as coverage options, cost, and financial strength when choosing an insurance company. It’s always a good idea to do your own research and compare quotes from multiple insurance providers before making a decision.

Roundup: American National vs Century Insurance

When comparing the two companies, it’s important to consider factors such as coverage options, cost, and customer service. Both companies offer similar coverage options and discounts, although the cost of coverage may vary depending on factors such as your location, driving record, and age. Customer reviews for both companies are generally positive, although there have been some reported issues with claims processing and cancellation.

Ultimately, the best car insurance company for you will depend on your individual needs and preferences. It’s always a good idea to do your own research and compare quotes from multiple providers to find the coverage that’s right for you.

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