American National vs Shelter Insurance Car Insurance for 2024

When it comes to car insurance, choosing the right company can make all the difference. American National and Shelter Insurance are two popular options for drivers, each with its unique benefits and features.

In this article, we will take a closer look at American National car insurance vs Shelter Insurance car insurance for 2023. By providing a comprehensive overview of both companies, we hope to help you make an informed decision and find the best car insurance for your needs.

Before diving into the details, here are a few interesting attributes of American National and Shelter Insurance car insurance that make them stand out:

• American National offers a loyalty discount for customers who have been with the company for three or more years.
• Shelter Insurance offers a Drive Safe & Save program that rewards safe driving habits with lower rates.
• Both companies have a strong financial rating, with American National receiving an A rating from A.M. Best and Shelter Insurance receiving an A+ rating from the same organization.

History and Mission of American National vs Shelter Insurance

American National Car Insurance:

American National was founded in 1905 and is headquartered in Galveston, Texas. The company has a strong presence in all 50 states, offering a wide range of insurance products, including car insurance. American National’s mission is to provide personalized service and quality insurance solutions to their clients.

Shelter Car Insurance:

Shelter Insurance, on the other hand, was founded in 1946 and is headquartered in Columbia, Missouri. The company has a strong focus on providing affordable insurance solutions to its clients. Shelter Insurance operates in 18 states and offers a wide range of insurance products, including car insurance.

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Coverage Available Through American National vs Shelter Insurance

American National and Shelter Insurance offer a range of options to their customers. Let’s take a closer look at the coverage available through each provider.

American National Car Insurance:

• Liability coverage: This coverage is mandatory in most states and protects if you cause an accident that results in injury or property damage to another driver.
• Collision coverage: This coverage will help pay for repairs or replacement of your vehicle if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage will help pay for repairs or replacement of your vehicle if it is damaged by something other than a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection: This coverage will help pay for medical expenses, lost wages, and other expenses if you or your passengers are injured in an accident, regardless of who was at fault.
• Uninsured/Underinsured motorist coverage: This coverage will help pay for damages if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

Shelter Car Insurance:

• Liability coverage: This coverage is mandatory in most states and protects if you cause an accident that results in injury or property damage to another driver.
• Collision coverage: This coverage will help pay for repairs or replacement of your vehicle if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage will help pay for repairs or replacement of your vehicle if it is damaged by something other than a collision, such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured motorist coverage: This coverage will help pay for damages if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

Costs of American National vs Shelter Insurance

The cost of car insurance from American National versus Shelter Insurance will vary depending on various factors, including your driving history, age, and the type of vehicle you drive, as well as the level of coverage you choose. However, here are some general things to keep in mind when comparing the costs of these two providers:

American National Car Insurance:

American National provides a range of coverage options and prices, with their rates often being competitive in many states. However, since car insurance is regulated on a state-by-state basis, the cost of American National’s car insurance will vary depending on the state you live in.

Factors that could impact the cost of American National’s car insurance include your driving history, age, credit score, and the make and model of your car. According to the National Association of Insurance Commissioners (NAIC), the average cost of car insurance in the US is around $1,000 per year.

Shelter Car Insurance:

Shelter Insurance also offers a variety of car insurance options with rates that will vary depending on where you live and your circumstances. Similar to American National, Shelter Insurance’s rates will be influenced by your driving history, age, credit score, and the type of vehicle you drive.

Shelter Insurance is a smaller insurance company, which could impact its pricing. According to the NAIC, Shelter Insurance has a lower-than-average complaint index compared to other insurance companies, which suggests that their customer service is generally good.

Select Areas Where American National vs Shelter Insurance is Available

American National and Shelter Insurance provides car insurance coverage in various states across the US. The availability and cost of their services will vary depending on your location and individual circumstances. Some of the states where American National and Shelter Insurance may offer coverage include:

American National Car Insurance:

Arizona, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, and Washington.

Shelter Car Insurance:

Alabama, Arizona, Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Tennessee, and Texas.

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Discounts Offered by American National vs Shelter Insurance

Both American National and Shelter Insurance offer a variety of discounts to help customers save money on their car insurance premiums. Here are some of the discounts available from each company:

American National Car Insurance:

• Multi-policy discount: If you have more than one policy with American National, such as car insurance and homeowners insurance, you may be eligible for a discount on your premiums.
• Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.
• Good student discount: If you are a student under the age of 25 and maintain a certain grade point average, you may be eligible for a discount on your car insurance premiums.
• Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your premiums.

Shelter Car Insurance:

• Multi-car discount: If you insure more than one car with Shelter Insurance, you may be eligible for a discount on your premiums.
• Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.
• Good student discount: If you are a student under the age of 25 and maintain a certain grade point average, you may be eligible for a discount on your car insurance premiums.
• Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your premiums.
• Mature driver discount: If you are over the age of 50 and complete an approved driver education course, you may be eligible for a discount on your car insurance premiums.

Case Studies: American National vs Shelter Insurance Car Insurance

Case Study 1: John’s Experience With American National Car Insurance

John, a resident of Texas, recently switched his car insurance to American National. He was impressed by the personalized service and competitive rates offered by the company. John had a clean driving record and was able to take advantage of several discounts, including a safe driver discount and a multi-car discount.

Case Study 2: Sarah’s Experience With Shelter Car Insurance

Sarah, a resident of Missouri, opted for Shelter Insurance for her car insurance needs. She was attracted to the company’s focus on providing affordable coverage. Sarah had a teenage driver in her household and was pleased to discover that Shelter Insurance offered a good student discount, which helped reduce her premium.

Case Study 3: Emily’s Experience With American National Car Insurance

Emily, a resident of Colorado, recently had a positive experience with American National car insurance. She had been a long-time customer of the company and was involved in a car accident. Emily was relieved by the prompt and efficient claims-handling process of American National.

Seamless Claims Process With American National vs. Shelter Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Both American National and Shelter Insurance offer convenient options for filing insurance claims. You can file a claim with both companies through their respective mobile apps, online portals, or by contacting their customer service over the phone. This flexibility allows policyholders to choose the method that suits them best, whether it’s using a digital platform or speaking to a representative.

Average Claim Processing Time

The average claim processing time can vary depending on the complexity of the claim and the individual circumstances. American National and Shelter Insurance both strive to process claims efficiently, and they have dedicated teams to handle claims promptly.

However, the specific processing time may differ, so it’s advisable to check with the respective company for more detailed information regarding their claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is crucial in evaluating the performance of an insurance company when it comes to claim resolutions and payouts. While American National and Shelter Insurance both aim to provide satisfactory claim resolutions, it’s essential to consider customer reviews and ratings to get a better understanding of their track records in this regard.

Online reviews and customer testimonials can provide insights into the satisfaction levels of policyholders regarding how claims are handled and the fairness of payouts.

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Exploring Digital and Technological Features of American National vs. Shelter Insurance

Mobile App Features and Functionality

Both American National and Shelter Insurance offer mobile apps that provide various features and functionalities to policyholders. These apps typically allow customers to access their policies, make payments, view digital ID cards, file claims, and track claim statuses.

Additionally, some apps may offer features like roadside assistance requests and accident reporting tools. To get a comprehensive overview of the features and functionality of each company’s mobile app, it’s recommended to download and explore the apps directly from app stores.

Online Account Management Capabilities

Online account management is a crucial aspect of insurance service, allowing policyholders to access and manage their policies conveniently. Both American National and Shelter Insurance provide online account management capabilities through their websites.

Policyholders can log in to their accounts to view policy details, make payments, update personal information, and review policy documents. These online portals are designed to enhance customer convenience and accessibility.

Digital Tools and Resources

In addition to mobile apps and online account management, insurance companies often offer various digital tools and resources to assist policyholders. These may include online calculators for estimating insurance needs, educational resources about insurance coverage, blog articles, and frequently asked questions (FAQs) sections.

American National and Shelter Insurance may have their own digital tools and resources available on their websites to help customers make informed decisions about their insurance needs.

Customer Reviews of American National vs Shelter Insurance

When choosing a car insurance provider, it’s important to consider the experiences of other customers to help you make an informed decision. Here are some customer reviews of American National and Shelter Insurance:

American National Car Insurance:

• Positive reviews: Many customers praise American National for its competitive rates, helpful customer service representatives, and quick claims processing. Some customers also appreciate the company’s flexible payment options and multi-policy discounts.
• Negative reviews: Some customers report issues with communication and responsiveness from American National, particularly when filing claims. Other customers have reported issues with billing and billing errors.

Shelter Car Insurance:

• Positive reviews: Many customers appreciate the personalized service they receive from Shelter Insurance, as well as the company’s competitive rates and comprehensive coverage options. Some customers also appreciate the company’s flexible payment options and easy claims filing process.
• Negative reviews: Some customers report issues with claims processing and communication from Shelter Insurance, particularly in cases where claims were denied or underpaid. Other customers have reported issues with billing and billing errors.

FAQs: American National vs Shelter Insurance

Q: What states are American National car insurance policies available in?

A: American National car insurance policies are available in all 50 states.

Q: What types of discounts does Shelter Insurance offer?

A: Shelter Insurance offers a variety of discounts, including multi-car, safe driver, good student, anti-theft device, and mature driver discounts.

Q: Does American National offer roadside assistance?

A: Yes, American National offers roadside assistance as an optional add-on to its car insurance policies.

Q: Can I manage my Shelter Insurance policy online?

A: Yes, Shelter Insurance offers online account management for policyholders, including the ability to make payments and file claims.

Q: Does American National offer any additional insurance products?

A: Yes, American National offers a range of insurance products in addition to car insurance, including homeowners insurance, life insurance, and business insurance.

Q: What is American National’s claims process like?

A: American National has 24/7 claims reporting service and offers several options for filing claims, including online, by phone, or through a local agent. Once a claim is filed, an adjuster will be assigned to assess the damage and work with you to resolve the claim.

Q: How do I get a quote for car insurance from Shelter Insurance?

A: You can get a quote for car insurance from Shelter Insurance by visiting the company’s website, calling a local agent, or using the online quote tool.

Q: Does American National offer any special programs for young drivers?

A: Yes, American National offers a Steer Clear program for drivers under the age of 25, which includes safe driving tips and a discount on car insurance premiums for completing the program.

Q: Can I bundle my car insurance with other types of insurance through Shelter Insurance?

A: Yes, Shelter Insurance offers a range of insurance products that can be bundled together for additional savings, including homeowners insurance, renters insurance, and life insurance.

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