American National vs Progressive Car Insurance for 2023

Are you in the market for car insurance and wondering whether to choose American National or Progressive? Both companies offer competitive rates and a range of coverage options, making it difficult to decide which one to go with.

• American National has been in business for over 100 years and is a mutual insurance company, meaning that it is owned by its policyholders rather than shareholders.
• Progressive is known for its innovative use of technology, such as its Snapshot program that tracks your driving habits and rewards safe driving with lower rates.
• Both American National and Progressive offer a variety of discounts, such as multi-car, multi-policy, safe driver, good student, and military, among others.

In this article, we’ll take a closer look at American National car insurance vs Progressive car insurance, comparing their history, products, services, costs, discounts, and customer reviews, so that you can make an informed decision.

History and Mission

American National was founded in 1905 in Galveston, Texas, as the Farm Mutual Insurance Company, and has since grown into a diversified financial services company with over 5 million policyholders and assets of $29 billion.

The company’s mission is to provide superior insurance and financial products and services that meet customers’ needs while maintaining financial strength and stability.

Progressive was founded in 1937 in Ohio by Joseph Lewis and Jack Green as Progressive Mutual Insurance Company, and has since become one of the largest car insurance companies in the United States, with over 20 million policies in force and assets of $54 billion.

The company’s mission is to provide innovative and affordable insurance solutions that make it easy for customers to do business with them.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Products and Services

Let’s dive deeper into the products and services offered by American National and Progressive car insurance.

American National offers a wide range of insurance and financial products to its customers, including car insurance, home insurance, life insurance, business insurance, health insurance, and annuities. Its car insurance coverage options include:

• Liability coverage: This covers damages and injuries that you may cause to others in an accident. It’s required by law in most states.
• Collision coverage: This covers damages to your car if you’re in an accident with another vehicle or object, regardless of who’s at fault.
• Comprehensive coverage: This covers damages to your car that are not caused by a collision, such as theft, vandalism, fire, or natural disasters.
• Uninsured/Underinsured motorist coverage: This covers damages and injuries that you may sustain in an accident caused by someone who doesn’t have enough insurance or no insurance at all.
• Personal injury protection (PIP) coverage: This covers medical expenses, lost wages, and other expenses that you may incur if you or your passengers are injured in an accident, regardless of who’s at fault.
• Roadside assistance: This provides help if you need a tow, jump start, flat tire change, or other emergency services while on the road.

American National car insurance is available in all 50 states, and you can customize your coverage to meet your specific needs and budget.

Progressive also offers a variety of insurance products to its customers, such as car insurance, home insurance, renters insurance, life insurance, pet insurance, and more. Its car insurance coverage options include:

• Liability coverage: This covers damages and injuries that you may cause to others in an accident. It’s required by law in most states.
• Collision coverage: This covers damages to your car if you’re in an accident with another vehicle or object, regardless of who’s at fault.
• Comprehensive coverage: This covers damages to your car that are not caused by a collision, such as theft, vandalism, fire, or natural disasters.
• Uninsured/Underinsured motorist coverage: This covers damages and injuries that you may sustain in an accident caused by someone who doesn’t have enough insurance or no insurance at all.
• Personal injury protection (PIP) coverage: This covers medical expenses, lost wages, and other expenses that you may incur if you or your passengers are injured in an accident, regardless of who’s at fault.
• Roadside assistance: This provides help if you need a tow, jump start, flat tire change, or other emergency services while on the road.

In addition, Progressive offers several unique features and services, such as:

• Snapshot: This is a usage-based insurance program that tracks your driving habits and rewards safe driving with lower rates. You can download the Snapshot app on your phone and get personalized tips and feedback on your driving performance.
• Name your price tool: This allows you to customize your coverage and select a price that fits your budget. You can enter your desired coverage and deductible limits, and Progressive will show you options that meet your criteria.
• Concierge claims service: This provides a hassle-free claims experience, with a dedicated claims representative who will guide you through the process and handle all the details for you.

Progressive car insurance is available in all 50 states, and you can get a quote online or by phone.

Cost of Coverage

The cost of car insurance can vary widely depending on a variety of factors, such as your driving record, age, gender, location, type of car, and coverage options. It’s important to shop around and compare quotes from multiple insurers to find the best rate for you.

According to the National Association of Insurance Commissioners (NAIC), the average cost of car insurance in the US in 2019 was $935.80 per year. American National offers competitive rates for its car insurance coverage, and you can get a quote online or by phone to see how much you might pay.

According to the NAIC, the average cost of car insurance in the US in 2019 was $935.80 per year. Progressive offers competitive rates for its car insurance coverage, and you can get a quote online or by phone to see how much you might pay.

The specific discounts and rates that you may qualify for can vary depending on your individual circumstances. We recommend getting quotes from both companies and comparing the coverage options and rates to find the best fit for your needs and budget.

Discount Options

Both American National and Progressive offer a range of discounts that can help you save money on your car insurance premiums. Here are some of the discounts offered by each company:

American National:

• Multi-car discount: If you insure more than one car with American National, you can get a discount on each car’s premium.
• Safe driver discount: If you have a clean driving record with no accidents or violations, you can get a discount on your premium.
• Good student discount: If you’re a student with good grades, you can get a discount on your premium.
• Anti-theft device discount: If your car has an approved anti-theft device, you can get a discount on your premium.
• Mature driver discount: If you’re over 55 and have completed an approved driver safety course, you can get a discount on your premium.
• Accident-free discount: If you’ve been with American National for at least three years and have had no accidents during that time, you can get a discount on your premium.

Progressive:

• Multi-car discount: If you insure more than one car with Progressive, you can get a discount on each car’s premium.
• Safe driver discount: If you have a clean driving record with no accidents or violations, you can get a discount on your premium.
• Good student discount: If you’re a student with good grades, you can get a discount on your premium.
• Anti-theft device discount: If your car has an approved anti-theft device, you can get a discount on your premium.
• Snapshot discount: If you enroll in Progressive’s usage-based insurance program and demonstrate safe driving habits, you can get a discount on your premium.
• Multi-policy discount: If you have other insurance policies, such as homeowners or renters insurance, with Progressive, you can get a discount on your car insurance premium.
• Continuous insurance discount: If you’ve had car insurance coverage for at least six months with no gaps in coverage, you can get a discount on your premium.

It’s important to note that these are just examples of some of the discounts that American National and Progressive offer. The specific discounts and rates that you may qualify for can vary depending on your individual circumstances. We recommend getting quotes from both companies and comparing the coverage options and rates to find the best fit for your needs and budget.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Case Studies: American National vs Progressive Car Insurance

Case Study 1: Smooth Claims Handling

Mr. Anderson, a policyholder with American National, experienced a smooth claims handling process after his vehicle was damaged in an accident. American National promptly initiated the claims process, assessed the damages efficiently, and provided timely compensation. Mr. Anderson appreciated the seamless claims experience.

Case Study 2: User-Friendly Online Tools

Ms. Ramirez, a Progressive Car Insurance policyholder, found the online tools and resources provided by Progressive to be user-friendly and convenient. She was able to manage her policy, make payments, and file claims easily through the Progressive website or mobile app.

Case Study 3: Comprehensive Coverage

In a case involving American National and Progressive Car Insurance, both policyholders experienced significant vehicle damage due to a hailstorm.

While American National’s policy included comprehensive coverage that protected against such events, Progressive Car Insurance also offered comprehensive coverage, ensuring the policyholder was adequately protected. This case highlighted the importance of comprehensive coverage in natural disaster situations.

Case Study 4: Responsive Customer Support

Mrs. Thompson, an American National policyholder, had inquiries about her policy and reached out to the customer support department. She received responsive and helpful assistance from knowledgeable representatives who promptly addressed her concerns and provided clear explanations. Mrs. Thompson appreciated the high level of customer service provided by American National.

Case Study 5: Competitive Rates

Mr. Patel, a Progressive Car Insurance policyholder, benefited from the competitive rates offered by Progressive. He found that Progressive’s rates were more affordable compared to other insurance providers, allowing him to secure adequate coverage without breaking the bank.

Case Study 6: Policy Flexibility

Ms. Johnson, an American National policyholder, needed to modify her car insurance policy to include additional coverage for a newly purchased vehicle. American National demonstrated policy flexibility by offering various options for customization, allowing Ms. Johnson to adjust her coverage to meet her specific needs.

How American National and Progressive Handle Claims

Ease of Filing a Claim

American National and Progressive both offer multiple channels for filing claims, including online platforms, phone assistance, and mobile apps. Customers can conveniently choose the method that suits them best.

Average Claim Processing Time

The average claim processing time can vary depending on the complexity of the claim and individual circumstances. Both American National and Progressive aim to process claims as efficiently as possible, but specific processing times may differ.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts is essential. While American National and Progressive both strive to provide satisfactory claim resolutions, customer experiences may vary. Reading reviews and researching each company’s claims process can offer valuable insights.

Digital Innovations by American National and Progressive

Mobile App Features and Functionality

American National and Progressive offer mobile apps with various features and functionality. These apps allow customers to manage their policies, file claims, make payments, and access important documents from their mobile devices. Exploring the capabilities of each company’s app can help customers determine which one aligns with their needs.

Online Account Management Capabilities

Both American National and Progressive provide online account management tools that enable policyholders to handle their accounts digitally. These tools typically include features such as policy customization, document storage, and payment processing. Assessing the usability and comprehensiveness of these online account management capabilities can aid in decision-making.

Digital Tools and Resources

American National and Progressive offer digital tools and resources to enhance the customer experience. These may include educational resources, insurance calculators, and risk assessment tools. Evaluating the availability and usefulness of these digital resources can assist customers in selecting the insurer that best caters to their informational needs.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Customer Reviews

Reading customer reviews can be a helpful way to get a sense of the overall satisfaction level of a company’s policyholders. Here’s a summary of the reviews for American National and Progressive:

American National:

J.D. Power: American National ranked 5th out of 24 companies in the 2020 J.D. Power U.S. Auto Insurance Study for overall customer satisfaction.

Better Business Bureau: American National has an A+ rating with the Better Business Bureau (BBB) and has been accredited since 1949. However, the company has a relatively high number of customer complaints filed with the BBB.

ConsumerAffairs: American National has a 4-star rating on ConsumerAffairs, with many positive reviews citing good customer service and competitive rates. However, some negative reviews mention difficulty with claims processing.

Progressive:

J.D. Power: Progressive ranked 9th out of 24 companies in the 2020 J.D. Power U.S. Auto Insurance Study for overall customer satisfaction.

Better Business Bureau: Progressive has an A+ rating with the Better Business Bureau (BBB) and has been accredited since 1955. The company has a high number of customer complaints filed with the BBB, but many of these complaints have been resolved.

ConsumerAffairs: Progressive has a 4.5-star rating on ConsumerAffairs, with many positive reviews citing good rates, discounts, and customer service. However, some negative reviews mention difficulty with claims processing and billing issues.

We recommend getting quotes from both American National and Progressive and comparing the coverage options, rates, and discounts to find the best fit for your needs and budget.

Roundup: American National vs Progressive

In conclusion, American National and Progressive are both reputable car insurance companies with a long history of providing coverage to drivers across the United States. Each company offers a range of products and services, including liability, collision, and comprehensive coverage, as well as a variety of discounts to help customers save money on their premiums.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption