American National vs Erie Car Insurance for 2023

When it comes to car insurance, there are a lot of options out there. Two popular choices are American National car insurance and Erie car insurance.

While both companies offer quality coverage, they have distinct differences that may make one a better fit for your needs.

• American National offers a wide range of insurance products beyond car insurance, including home, life, and business insurance.
• Erie car insurance is known for its personalized service and exceptional customer satisfaction ratings.
• Both companies offer a variety of discounts to their policyholders, including safe driving discounts and multi-policy discounts.

In this article, we’ll compare American National vs Erie car insurance, looking at everything from their company history and mission to the cost of their services and what discounts they offer. By the end of this article, you’ll have a better understanding of which company might be the best fit for you.

History and Mission: American National and Erie

American National was founded in 1905 and has grown to become a leading provider of insurance products across the United States. The company’s mission is to provide “financial strength, security, and peace of mind to policyholders through innovative insurance and financial products and services.” In addition to car insurance, American National offers a variety of other insurance products, including home, life, and business insurance.

Erie car insurance, on the other hand, has a shorter history, having been founded in 1925. However, the company has still managed to become one of the largest auto insurers in the United States. Erie’s mission is to “provide quality insurance products and services to our customers at a fair price, while maintaining financial stability and growth.” Erie is known for its personalized service and exceptional customer satisfaction ratings.

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Products and Services Offered at American National and Erie

American National offers a wide range of insurance products beyond car insurance. In addition to car insurance, they also offer home, life, and business insurance. Here’s a breakdown of the products and services offered by American National:

• Car Insurance: American National offers liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They also offer additional coverage options, such as roadside assistance and rental reimbursement.
• Home Insurance: American National’s home insurance policies provide coverage for your home, personal belongings, and personal liability. They offer several coverage options, including coverage for your dwelling, other structures on your property, personal property, and additional living expenses.
• Life Insurance: American National offers several types of life insurance, including term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. They also offer additional coverage options, such as accidental death and dismemberment coverage and long-term care coverage.
• Business Insurance: American National offers a variety of business insurance products, including commercial auto insurance, commercial property insurance, general liability insurance, and workers’ compensation insurance. They also offer additional coverage options, such as business interruption insurance and cyber liability insurance.

Erie car insurance also offers a range of coverage options to their policyholders, with a focus on personalized service. Here’s a breakdown of the products and services offered by Erie car insurance:

• Car Insurance: Erie car insurance offers liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They also offer additional coverage options, such as pet coverage and windshield repair.
• Home Insurance: Erie’s home insurance policies provide coverage for your home, personal belongings, and personal liability. They offer several coverage options, including coverage for your dwelling, other structures on your property, personal property, and additional living expenses.
• Life Insurance: Erie offers several types of life insurance, including term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. They also offer additional coverage options, such as accidental death and dismemberment coverage and long-term care coverage.
• Business Insurance: Erie offers a variety of business insurance products, including commercial auto insurance, commercial property insurance, general liability insurance, and workers’ compensation insurance. They also offer additional coverage options, such as business interruption insurance and cyber liability insurance.

It’s important to note that the availability and cost of these products and services may vary depending on your location and individual circumstances. It’s always a good idea to contact each company directly to get more detailed information about their products and services and to get a personalized quote.

Cost of Coverage at American National and Erie

The cost of insurance can vary significantly depending on several factors, including the type of coverage you need, your driving record, the type of car you drive, and your location. With that in mind, it’s important to note that the cost of insurance for American National and Erie car insurance will vary depending on your individual circumstances.

Both American National and Erie car insurance are known for providing affordable insurance options to their customers. However, the cost of insurance can vary significantly depending on your individual circumstances, so it’s always a good idea to shop around and compare quotes from multiple insurance companies to find the best coverage and price for your needs.

Available States Offering Coverage

American National offers car insurance coverage in all 50 states, as well as Washington D.C. and Puerto Rico. This means that no matter where you live in the United States, you should be able to purchase car insurance from American National.

Erie car insurance, on the other hand, is only available in 12 states and the District of Columbia. Here is a list of the states where Erie offers car insurance coverage:

• Illinois
• Indiana
• Kentucky
• Maryland
• New York
• North Carolina
• Ohio
• Pennsylvania
• Tennessee
• Virginia
• West Virginia
• Wisconsin

It’s important to note that while Erie car insurance is not available in all 50 states, they are known for providing high-quality insurance coverage and excellent customer service to their customers in the states where they operate.

If you live in one of the states where Erie offers coverage, it may be worth considering them as an option for your car insurance needs. However, if you live outside of their coverage area, you will need to consider other options such as American National or other insurance providers.

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Discounts Available at American National and Erie

American National offers a range of discounts for their car insurance policies. Here are some of the most common discounts available:

• Multi-vehicle discount: If you insure more than one vehicle with American National, you may be eligible for a discount on your premium.
• Safe driver discount: If you have a good driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Good student discount: If you are a student under the age of 25 and maintain a high GPA, you may be eligible for a good student discount.
• Anti-theft device discount: If you have anti-theft devices installed in your vehicle, such as an alarm or GPS tracking system, you may be eligible for a discount on your premium.
• Defensive driving course discount: If you complete a defensive driving course, you may be eligible for a discount on your premium.

Erie car insurance also offers a range of discounts for their policies. Here are some of the most common discounts available:

• Multi-policy discount: If you have multiple insurance policies with Erie, such as car insurance and homeowners insurance, you may be eligible for a discount on your premium.
• Safe driver discount: If you have a good driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Good student discount: If you are a student under the age of 21 and maintain a high GPA, you may be eligible for a good student discount.
• Vehicle safety discount: If your vehicle has certain safety features, such as anti-lock brakes or airbags, you may be eligible for a discount on your premium.
• Young driver discount: If you have a young driver on your policy who completes a driver training program, you may be eligible for a discount on your premium.

It’s important to note that the specific discounts offered by each company may vary by state and policy. Additionally, not all discounts may be available in all states or for all customers. To find out which discounts you may be eligible for, it’s best to contact the companies directly or speak with an insurance agent.

Customer Feedbacks for American National and Erie

American National has generally positive reviews from its customers. On the popular review website, Trustpilot, American National has a 4.1 out of 5-star rating from more than 1,000 reviews. Customers often praise the company’s customer service, with many citing helpful and friendly agents.

Many customers also appreciate the competitive pricing of American National’s policies. Some negative reviews mention issues with claims processing or billing, but these seem to be the exception rather than the rule.

Erie car insurance is known for its excellent customer service and has consistently high ratings in customer satisfaction surveys. On the popular review website, Clearsurance, Erie has a 4.37 out of 5-star rating from more than 1,500 reviews.

Customers often praise the company’s responsiveness and attentiveness to their needs. Many customers also appreciate the competitive pricing of Erie’s policies. Some negative reviews mention issues with claims processing, but these seem to be relatively rare.

In Summary: American National vs Erie

In conclusion, American National and Erie car insurance are both reputable insurance providers with a long history of serving customers across the United States. American National offers a range of insurance products, including auto, home, and life insurance, while Erie car insurance specializes in auto insurance coverage. Both companies offer competitive pricing and a variety of discounts to help customers save on their policies.

Ultimately, the decision between American National and Erie car insurance will depend on your specific insurance needs, budget, and personal preferences. It’s important to research both companies, read reviews, and compare quotes to find the policy that’s best for you. By doing so, you can ensure that you have the right insurance coverage to protect yourself and your assets in the event of an accident or other unexpected event.

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