American National vs Liberty Mutual Car Insurance for 2023
Dive into a comprehensive comparison of American National and Liberty Mutual, evaluating their coverage, rates, and customer service to identify the preferred choice in the competitive U.S. auto insurance landscape.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 29, 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 29, 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.
On This Page
Uncover the key to optimal car insurance rates as we delve into a detailed analysis of leading companies, considering crucial factors such as credit score, mileage, coverage level, and driving record. This insightful exploration will guide you through the intricacies of each company’s pricing strategies, providing a clear understanding of which insurer excels in accommodating diverse customer profiles. Whether you’re a low-mileage driver with an excellent credit score or a comprehensive coverage seeker with a pristine driving record, our data-driven comparison unveils the insurance provider tailored to your specific needs.
| Factor | American National | Liberty Mutual |
|---|---|---|
| Clean Record | $195 | $174 |
| 1+ Ticket | $240 | $212 |
| 1+ Accident | $283 | $234 |
| DUI | $342 | $313 |
| Poor Credit | $335 | $299 |
| Discount | American National | Liberty Mutual |
|---|---|---|
| Safe Driver | 10% | 12% |
| Low Mileage | 8% | 7% |
| Anti Theft | 5% | 5% |
| Paperless | 3% | 4% |
| Senior Driver | 12% | 10% |
| Good Student | 15% | 18% |
American National car insurance
Pros:
- Excellent Customer Service: Recognized by J.D. Power for providing outstanding customer service.
- Wide Range of Coverage Options: Offers comprehensive coverage options, including specialty insurance for motorcycles, boats, and RVs.
- Discounts: Provides various discounts, such as multi-car discount, good student discount, defensive driving discount, and more.
Cons:
- Higher Premiums: Some customers have reported that premiums can be higher compared to other companies.
- Issues with Communication and Billing: Some customers have experienced communication and billing issues.
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Liberty Mutual car insurance
Pros:
- Competitive Rates: Offers competitive rates, with an average cost of $1,674 per year according to Insurify.
- Range of Coverage Options: Provides additional coverage options like new car replacement, better car replacement, rental car coverage, and roadside assistance.
- Discounts: Offers various discounts, including multi-policy discount, safety features discount, good student discount, and more.
Cons:
- Claims Handling Issues: Some customers have reported issues with claims handling, requiring additional follow-up.
- Premium Increases after Incidents: Premiums may increase significantly after accidents or other incidents.
Choosing the Best Car Insurance: American National vs. Liberty Mutual
When it comes to selecting the best car insurance provider between American National and Liberty Mutual, one company stands out as the overall winner: Liberty Mutual
Competitive Rates: Liberty Mutual offers average annual premiums of $1,674, providing cost-effective coverage for a 30-year-old driver with a clean record and a 2017 Honda Civic, according to Insurify. This affordability is a significant factor for many customers seeking value in their insurance.
Additional Coverage Options: Liberty Mutual goes beyond standard offerings with features like new car replacement, better car replacement, rental car coverage, and roadside assistance. This demonstrates a commitment to providing comprehensive protection and added convenience for policyholders.
Diverse Discounts: Liberty Mutual’s range of discounts, including multi-policy, safety features, and good student discounts, allows customers to maximize savings based on their specific circumstances. This flexibility in discount offerings caters to a wide array of drivers.
While American National boasts excellent customer service and a variety of coverage options, the higher reported premiums and occasional issues with communication and billing make it fall slightly behind Liberty Mutual. In a holistic evaluation of rates, coverage options, and overall customer satisfaction, Liberty Mutual emerges as the superior choice for car insurance.
History and Mission of American National and Liberty Mutual
American National was founded in 1905 and is headquartered in Galveston, Texas. The company’s mission is to provide “financial security and peace of mind through our insurance, annuity, and investment products and services.” American National offers a variety of insurance products, including auto, home, life, and health insurance.
Liberty Mutual was founded in 1912 and is headquartered in Boston, Massachusetts. The company’s mission is to help people “live safer, more secure lives.” Liberty Mutual offers a variety of insurance products, including auto, home, renters, and life insurance.
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Coverage Options: American National vs. Liberty Mutual
American National and Liberty Mutual offer a range of products and services when it comes to car insurance. Here is a more detailed overview of what each company provides:
American National:
- Liability Coverage: This is the minimum coverage required by law in most states. It covers bodily injury and property damage that you may cause to others while driving your car.
- Collision Coverage: This covers damage to your own car if you are in an accident with another vehicle or object.
- Comprehensive Coverage: This covers damage to your car caused by events such as theft, vandalism, and natural disasters.
- Personal Injury Protection (PIP): This covers medical expenses and lost wages for you and your passengers if you are injured in a car accident.
- Uninsured/Underinsured Motorist Coverage: This covers you if you are in an accident with a driver who is not insured or does not have enough insurance to cover your damages.
- Classic Car Insurance: This coverage is specifically designed for antique and vintage cars.
- Specialty Insurance: American National also offers insurance for motorcycles, boats, and RVs.
Liberty Mutual:
- Liability Coverage: This is the minimum coverage required by law in most states. It covers bodily injury and property damage that you may cause to others while driving your car.
- Collision Coverage: This covers damage to your own car if you are in an accident with another vehicle or object.
- Comprehensive Coverage: This covers damage to your car caused by events such as theft, vandalism, and natural disasters.
- New Car Replacement Coverage: This coverage is available for cars that are less than a year old and have less than 15,000 miles.
- Better Car Replacement Coverage: This coverage is available for cars that are less than 10 years old and have less than 100,000 miles.
- Rental Car Coverage: This coverage provides reimbursement for a rental car if your car is being repaired due to a covered loss.
- Roadside Assistance: This provides help if you have a flat tire, run out of gas, or need a tow.
- Hybrid/Electric Vehicle Discount: This discount is available for drivers who own hybrid or electric vehicles.
Overall, both American National and Liberty Mutual offer a range of coverage options for customers to choose from, including liability, collision, comprehensive, and more. American National also offers specialty insurance for motorcycles, boats, and RVs, as well as classic car insurance
Cost of American National and Liberty Mutual
When it comes to car insurance, the cost of coverage can vary widely depending on a number of factors, including your driving record, the type of car you drive, and where you live. That being said, let’s take a closer look at the cost of insurance for American National and Liberty Mutual.
According to data from Insurify, the average cost of car insurance with American National is $1,360 per year. This is based on a profile of a 30-year-old driver with a clean driving record and a 2017 Honda Civic. Of course, your individual rates may vary depending on your specific circumstances.
According to data from Insurify, the average cost of car insurance with Liberty Mutual is $1,674 per year. This is based on the same profile of a 30-year-old driver with a clean driving record and a 2017 Honda Civic.
American National and Liberty Mutual offer a number of coverage options that can affect the overall cost of your insurance. For example, if you opt for higher limits of liability coverage or add additional coverage options such as collision or comprehensive coverage, your premiums may be higher.
To get an accurate quote for your specific needs, it’s best to contact each company directly and discuss your options with a representative.
States Where American National and Liberty Mutual Offer Services
Both American National and Liberty Mutual offer car insurance coverage in a number of states across the United States. American National and Liberty Mutual offer coverage in a wide range of states, although there are a few states where one company may offer coverage and the other does not.
American National operates in all 50 states, while Liberty Mutual operates in 50 states and the District of Columbia. It’s always best to check with each company directly to confirm whether they offer coverage in your specific state.
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Discounts Offered at American National vs. Liberty Mutual
American National and Liberty Mutual offer a variety of discounts that can help customers save money on their car insurance premiums. Here’s a breakdown of the discounts offered by each company:
American National:
- Multi-car discount: If you insure more than one car with American National, you can save up to 25% on your premiums.
- Good student discount: If you’re a full-time student with good grades, you may be eligible for a discount of up to 15%.
- Defensive driving discount: If you complete an approved defensive driving course, you may be eligible for a discount of up to 10%.
- Anti-theft device discount: If you have an anti-theft device installed in your car, you may be eligible for a discount of up to 5%.
- Safe driver discount: If you have a clean driving record, you may be eligible for a discount of up to 10%.
Liberty Mutual:
- Multi-policy discount: If you bundle your car insurance with other types of insurance, such as home or renters insurance, you can save up to 20% on your premiums.
- Safety features discount: If your car is equipped with certain safety features, such as airbags, anti-lock brakes, or automatic seat belts, you may be eligible for a discount of up to 10%.
- Good student discount: If you’re a full-time student with good grades, you may be eligible for a discount of up to 35%.
- Accident-free discount: If you have a clean driving record and haven’t been in an accident for a certain number of years, you may be eligible for a discount of up to 30%.
- Multi-car discount: If you insure more than one car with Liberty Mutual, you can save up to 12% on your premiums.
It’s important to note that these discounts may vary depending on your location and other factors, and not all customers may be eligible for all discounts. It’s always best to check with each company directly to see what discounts you may be eligible for and to get a quote tailored to your specific situation.
Case Studies: American National vs. Liberty Mutual Car Insurance
Case Study 1: John’s Experience With American National Car Insurance
John, a 35-year-old driver from Texas, recently switched his car insurance to American National. He was impressed by the company’s comprehensive coverage options, including liability, collision, and comprehensive coverage. John also found their specialty insurance for his motorcycle appealing.
Moreover, American National’s customer service exceeded his expectations, as they promptly handled his inquiries and provided him with a competitive quote.
Case Study 2: Sarah’s Experience With Liberty Mutual Car Insurance
Sarah, a 28-year-old driver from Massachusetts, opted for car insurance coverage with Liberty Mutual. She was pleased with the range of coverage options Liberty Mutual offered, such as liability, collision, and comprehensive coverage. Sarah also appreciated the competitive rates provided by Liberty Mutual.
However, she encountered some issues with claims handling and billing, which required additional follow-up and clarification.
Case Study 3: Mark’s Comparison of American National and Liberty Mutual
Mark, a 40-year-old driver from California, decided to compare car insurance quotes from both American National and Liberty Mutual. After obtaining quotes from both companies, he found that American National offered slightly lower rates for the coverage he needed.
However, Mark noticed that Liberty Mutual had a broader selection of discounts available, including safe driver discounts and discounts for bundling home and auto insurance. Ultimately, Mark chose Liberty Mutual due to the potential savings offered by their discounts.
Mastering the Claims Journey: American National vs. Liberty Mutual Car Insurance
Ease of Filing a Claim
American National and Liberty Mutual both offer convenient options for filing insurance claims. Customers can file claims through online portals, over the phone, or by using mobile apps. This flexibility ensures that policyholders can choose the method that suits them best.
Average Claim Processing Time
The speed at which insurance claims are processed is a crucial factor for policyholders. While both American National and Liberty Mutual aim to process claims promptly, actual processing times may vary depending on the complexity of the claim and other factors. It’s advisable to check with each company for specific information regarding claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in assessing an insurance company’s claim resolution and payout process. While American National and Liberty Mutual have generally positive reviews regarding their claim resolutions, some customers have reported issues with communication, billing, and claim handling. It’s essential for policyholders to consider customer feedback and experiences when choosing an insurance provider.
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American National vs. Liberty Mutual Car Insurance: Innovative Technology and Digital Solutions
Mobile App Features and Functionality
Both American National and Liberty Mutual offer mobile apps with features designed to enhance the customer experience. These apps typically allow users to manage their policies, file claims, and access important information on the go. Policyholders can expect user-friendly interfaces and a range of helpful tools within these apps.
Online Account Management Capabilities
Online account management is a core feature of modern insurance companies. American National and Liberty Mutual provide customers with the ability to manage their policies, view documents, and make payments online. This convenience simplifies the insurance experience, allowing policyholders to access important information at their convenience.
Digital Tools and Resources
Insurance companies are increasingly providing digital tools and resources to assist their customers. These tools may include online calculators, educational materials, and resources to help policyholders make informed decisions about their coverage. American National and Liberty Mutual offer a variety of digital resources to support their customers’ insurance needs.
Customer Reviews: American National vs. Liberty Mutual
Here’s a summary of customer reviews for both American National and Liberty Mutual car insurance:
American National:
Overall, American National has generally positive reviews from customers. Many customers praise the company’s customer service and say that their claims were handled quickly and efficiently. However, some customers have reported issues with communication and billing, and some have noted that premiums can be higher than other companies.
Liberty Mutual:
Like American National, Liberty Mutual has generally positive reviews from customers. Customers praise the company’s wide range of coverage options and competitive rates. However, some customers have reported issues with claims handling and billing, and some have noted that premiums can increase significantly after accidents or other incidents.
Roundup: American National vs. Liberty Mutual
In conclusion, both American National and Liberty Mutual offer a wide range of car insurance products and services to customers in various states across the United States. While both companies have generally positive reviews from customers, they also have some areas of improvement to address.
American National is known for its strong customer service and quick claims handling, but premiums may be higher than other companies. Liberty Mutual is known for its competitive rates and range of coverage options, but some customers have reported issues with claims handling and billing.
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Frequently Asked Questions
What types of car insurance does American National offer?
American National offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Does American National offer any discounts on car insurance?
Yes, American National offers a range of discounts on car insurance, including safe driver discounts, multi-vehicle discounts, and loyalty discounts for long-term customers.
What states does American National offer car insurance in?
American National offers car insurance in most states across the United States, with some limitations in certain areas.
How do I file a claim with American National?
To file a claim with American National, you can call their claims hotline, which is available 24/7. You can also file a claim online through their website or mobile app.
What types of car insurance does Liberty Mutual offer?
Liberty Mutual offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.