American National vs Safety Insurance Car Insurance for 2024

Car insurance is an essential part of being a responsible driver. With so many different insurance companies to choose from, it can be overwhelming to decide which one is the right fit for your needs.

In this article, we will be comparing American National car insurance vs Safety Insurance car insurance.

By the end of this article, you will have a better understanding of the history and mission of both companies, the products and services they offer, the cost of those services, the states where their services are offered, the different types of discounts available to customers, and a summary of customer reviews of the companies.

History and Mission of American National and Safety Insurance

American National was founded in 1905 by William L. Moody Jr. in Galveston, Texas. The company started as a life insurance company and eventually expanded to include other insurance products, including car insurance.

American National’s mission is to provide quality insurance products and services to its customers while maintaining financial stability and profitability.

Safety Insurance was founded in 1979 in Boston, Massachusetts. The company’s mission is to provide its customers with the best possible insurance products and services while maintaining a high level of integrity, honesty, and professionalism.

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Coverage Options Available

Let’s take a closer look at the products and services offered by both American National and Safety Insurance.

American National:

As mentioned earlier, American National offers a wide range of insurance products in addition to car insurance. Here’s a closer look at some of the other products and services offered by American National:

• Life Insurance: American National offers a variety of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. These policies can help provide financial protection for your loved ones in the event of your death.
• Home Insurance: American National offers homeowners insurance policies that can help protect your home and personal belongings in the event of damage or theft. They also offer coverage for additional structures on your property, such as sheds and detached garages.
• Business Insurance: American National offers a variety of business insurance products, including commercial property insurance, general liability insurance, and commercial auto insurance. These policies can help protect your business in the event of unexpected events or accidents.

Safety Insurance:

Safety Insurance also offers a variety of insurance products in addition to car insurance. Here’s a closer look at some of the other products and services offered by Safety Insurance:

• Home Insurance: Safety Insurance offers homeowners insurance policies that can help protect your home and personal belongings in the event of damage or theft. They also offer coverage for additional structures on your property, such as sheds and detached garages.
• Business Insurance: Safety Insurance offers a variety of business insurance products, including commercial property insurance, general liability insurance, and workers’ compensation insurance. These policies can help protect your business in the event of unexpected events or accidents.
• Specialty Insurance: Safety Insurance offers specialty insurance products, including pet insurance and wedding insurance. These policies can help provide financial protection for unexpected events related to your pets or wedding.

Overall, both American National and Safety Insurance offer a variety of insurance products and services to meet the needs of their customers. Whether you’re looking for car insurance, home insurance, or business insurance, both companies have options available.

Cost of Coverage

The cost of car insurance from American National can vary depending on a variety of factors, including your age, driving record, the type of vehicle you drive, and where you live.

Like American National, the cost of car insurance from Safety Insurance can vary depending on a variety of factors. Safety Insurance offers a variety of coverage options and discounts that can help make their policies more affordable.

Be sure to ask about these and other discounts when getting a quote from either American National or Safety Insurance to see if you qualify.

States Where American National and Safety Offers Insurance

American National offers car insurance coverage in all 50 states. This means that no matter where you live in the United States, you should be able to get car insurance coverage from American National. Keep in mind that the specific types of coverage and discounts available may vary by state, so it’s important to check with the company directly to see what options are available in your area.

Safety Insurance offers car insurance coverage in six states: Massachusetts, New Hampshire, Maine, Connecticut, and Rhode Island. If you live in one of these states, you may be able to get car insurance coverage from Safety Insurance. Keep in mind that the specific types of coverage and discounts available may vary by state, so it’s important to check with the company directly to see what options are available in your area.

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Available Discounts

Both American National and Safety Insurance offer a range of discounts to their customers. Here is an overview of some of the discounts available from each company:

American National:

• Multi-policy discount: If you have multiple insurance policies with American National (such as car insurance and home insurance), you may be eligible for a discount on your premiums.
• Safe driver discount: If you’ve been accident-free for a certain period of time, you may be eligible for a safe driver discount from American National.
• Good student discount: If you’re a student under the age of 25 and maintain a certain grade point average, you may be eligible for a good student discount from American National.
• Anti-theft device discount: If your car is equipped with an approved anti-theft device, you may be eligible for a discount on your premiums.
• Pay-in-full discount: If you pay your entire annual premium up front, you may be eligible for a discount from American National.

Safety Insurance:

• Multi-car discount: If you insure multiple cars with Safety Insurance, you may be eligible for a discount on your premiums.
• Safe driver discount: If you’ve been accident-free for a certain period of time, you may be eligible for a safe driver discount from Safety Insurance.
• Good student discount: If you’re a student under the age of 25 and maintain a certain grade point average, you may be eligible for a good student discount from Safety Insurance.
• Low mileage discount: If you don’t drive your car very often, you may be eligible for a low mileage discount from Safety Insurance.
• Pay-in-full discount: If you pay your entire annual premium up front, you may be eligible for a discount from Safety Insurance.

To get more information about the discounts available from either American National or Safety Insurance, be sure to contact the company directly. Additionally, there may be other discounts available that are not listed here, so it’s always a good idea to ask your insurance agent about any potential savings opportunities.

Case Studies: American National vs Safety Insurance Car Insurance 

Case Study 1: Mark’s Coverage With American National Car Insurance

Mark, a responsible driver from Texas, opted for American National car insurance to protect his vehicle and finances. He appreciated the comprehensive coverage options offered by American National, including liability coverage, collision coverage, and uninsured/underinsured motorist coverage.

When Mark was involved in a minor accident, American National’s claims process was seamless, and they provided him with timely support and compensation for the damages.

Case Study 2: Lisa’s Experience With Safety Insurance Car Insurance

Lisa, a cautious driver from Massachusetts, chose Safety Insurance for her car insurance needs. Safety Insurance offered her the coverage she required, including liability coverage and comprehensive coverage. When Lisa’s car was damaged in a hailstorm, she found the claims process with Safety Insurance to be efficient and hassle-free.

The company promptly processed her claim and covered the necessary repairs, allowing Lisa to get back on the road quickly.

Case Study 3: David’s Comparison of American National and Safety Insurance

David, a budget-conscious driver from New Hampshire, wanted to find the best car insurance coverage at an affordable price. He compared quotes from both American National and Safety Insurance. David found that American National offered competitive rates and a variety of discounts, such as safe driver and multi-car discounts, which helped reduce his premium.

On the other hand, Safety Insurance provided him with additional discounts for features like anti-theft devices. After careful consideration, David chose American National as the better fit for his insurance needs.

A Comparative Look at the Claims Process: American National vs. Safety Insurance

Ease of Filing a Claim

Customers looking to file a claim with American National and Safety Insurance have multiple convenient options at their disposal. Whether you prefer the ease of online submissions, the personal touch of speaking over the phone, or the convenience of mobile apps, both companies offer these methods for filing claims.

Average Claim Processing Time

When it comes to processing claims, both American National and Safety Insurance are committed to efficiency. Customers can expect timely claims handling and swift resolutions, ensuring that they receive the necessary support and compensation promptly.

Customer Feedback on Claim Resolutions and Payouts

The experiences of policyholders provide valuable insights into the claim resolution process. While individual circumstances may vary, customer feedback and reviews can help you gauge the overall satisfaction of claim resolutions and payouts from American National and Safety Insurance.

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Comparing the Digital and Tech Features of American National and Safety Insurance

Mobile App Features and Functionality

Both American National and Safety Insurance offer mobile apps that bring insurance management to your fingertips. These apps typically provide features such as policy access, claims tracking, bill payment, and roadside assistance requests. Exploring the functionality and user-friendliness of these apps can help you determine which company aligns better with your digital preferences.

Online Account Management Capabilities

Convenient online account management is essential for modern policyholders. American National and Safety Insurance offer online portals where customers can access policy documents, make updates, and handle various insurance-related tasks. Assessing the capabilities and ease of use of these online platforms can help you choose the insurer that suits your digital lifestyle.

Digital Tools and Resources

In today’s digital age, insurers often provide additional digital tools and resources to enhance customer experience. These might include educational resources, insurance calculators, and safety tips. Evaluating the availability and usefulness of these digital extras can contribute to your decision-making process when choosing between American National and Safety Insurance.

Customer Feedbacks

Reviews and ratings from current and former customers can be a valuable tool when it comes to evaluating car insurance companies. It’s important to keep in mind that reviews and ratings can vary depending on a number of factors, including the specific policy and the customer’s individual experience. While it’s always a good idea to consider reviews when evaluating car insurance companies, it’s also important to take them with a grain of salt and do your own research to make an informed decision.

If you’re interested in learning more about what current and former customers have to say about American National or Safety Insurance, there are a number of websites where you can read reviews and ratings. Some popular options include ConsumerAffairs, NerdWallet, and J.D. Power.

Roundup: American National vs Safety Insurance

After conducting an analysis of American National and Safety Insurance car insurance, it’s clear that both companies have their own unique strengths and weaknesses.

Ultimately, the best car insurance company for you will depend on a variety of factors, including your driving record, your budget, and your specific insurance needs. Before making a decision, it’s important to carefully evaluate your options, compare quotes and policies, and take the time to read reviews and ratings from current and former customers.

Whether you choose American National, Safety Insurance, or another top-rated car insurance provider, be sure to do your research and make an informed decision that meets your needs and budget.

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