American National vs State Auto Car Insurance for 2024

Interesting Attributes of American National vs State Auto Car Insurance:

• American National has been in business for over 110 years, providing insurance to customers across the country.
• State Auto Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage.
• Both companies have received high ratings from independent organizations for their customer service and financial stability.

When it comes to car insurance, there are countless options to choose from. Two of the most popular companies are American National car insurance and State Auto car insurance. In this article, we’ll compare the two to help you make an informed decision.

We’ll take a look at each company’s history, mission, products, services, and discounts, as well as what customers are saying about them. By the end of this article, you’ll have a better idea of which insurance company is right for you.

History and Mission of American National vs. State Auto Car Insurance

American National Car Insurance:

American National has been around since 1905, when it was founded in Galveston, Texas. Since then, it has grown to become one of the largest insurance companies in the United States. The company’s mission is to provide financial protection and peace of mind to its customers, and it does so by offering a wide range of insurance products, including car insurance.

State Auto Car Insurance:

State Auto Car Insurance has a slightly shorter history, having been founded in 1921 in Columbus, Ohio. However, it has also grown to become a significant player in the insurance industry, offering coverage in 33 states. The company’s mission is to “make insurance easy,” and it does so by providing a variety of coverage options and excellent customer service.

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Coverage Options Offered by American National vs State Auto

American National and State Auto Car Insurance offer various coverage options for their customers. Here are the types of coverage offered by each company to help you make an informed decision about which one is right for you:

American National Coverage Options:

• Liability coverage: This type of coverage is required by law in most states and covers damages that you are responsible for in the event of an accident. American National offers bodily injury and property damage liability coverage.
• Collision coverage: This type of coverage pays for damages to your vehicle in the event of a collision with another vehicle or object. American National offers collision coverage as an optional add-on to your policy.
• Comprehensive coverage: This type of coverage protects your vehicle against damage or loss caused by something other than a collision, such as theft, fire, or natural disasters. American National offers comprehensive coverage as an optional add-on to your policy.
• Roadside assistance: American National offers a roadside assistance program that can help you with services like flat tire changes, battery jumps, and towing.
• Rental car coverage: If your car is in the shop for repairs due to a covered loss, American National offers rental car coverage to help cover the cost of a rental car.

State Auto Car Insurance Coverage Options:

• Liability coverage: State Auto Car Insurance offers bodily injury and property damage liability coverage, which is required by law in most states.
• Collision coverage: This type of coverage pays for damages to your vehicle in the event of a collision with another vehicle or object. State Auto Car Insurance offers collision coverage as an optional add-on to your policy.
• Comprehensive coverage: This type of coverage protects your vehicle against damage or loss caused by something other than a collision, such as theft, fire, or natural disasters. State Auto Car Insurance offers comprehensive coverage as an optional add-on to your policy.
• Uninsured/Underinsured motorist coverage: This type of coverage protects you in the event that you are in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. State Auto Car Insurance offers this coverage as an optional add-on to your policy.
• Personal injury protection: This type of coverage helps cover medical expenses and lost wages in the event of an accident. State Auto Car Insurance offers personal injury protection as an optional add-on to your policy.

Car Insurance Cost With American National vs State Auto Car Insurance

Both American National and State Auto Car Insurance offer competitive rates, but the specific cost of coverage will depend on your individual circumstances.

American National Car Insurance Cost:

The cost of car insurance with American National can vary depending on several factors, including the type of coverage you need, your driving history, and where you live. However, according to ValuePenguin, the average cost of car insurance with American National is around $1,318 per year for full coverage. This is slightly higher than the national average of $1,202 per year for full coverage.

State Auto Car Insurance Cost:

Like American National, the cost of car insurance with State Auto can vary depending on several factors, including the coverage you need and where you live. However, according to ValuePenguin, the average cost of car insurance with State Auto is around $1,280 per year for full coverage. This is slightly lower than the national average of $1,202 per year for full coverage.

States Where American National vs State Auto Car Insurance is Provided

American National Car Insurance Coverage:

American National offers car insurance in all 50 states and the District of Columbia. This means that no matter where you live in the United States, you can purchase car insurance from American National. In addition to car insurance, American National also offers a range of other insurance products, including home insurance, life insurance, and more.

State Auto Car Insurance Coverage:

State Auto Car Insurance is available in 33 states across the United States. The states where State Auto Car Insurance is available including Alabama, Arizona, Arkansas, Colorado, Florida, and Georgia.

If you live in one of the states where State Auto Car Insurance is available, it’s worth getting a quote to see if they can offer you competitive rates and the coverage you need.

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Available Discounts Offered by American National vs State Auto

Both American National and State Auto Car Insurance offer a range of discounts to help customers save money on their car insurance premiums. These discounts may include multi-car discounts, safe driver discounts, anti-theft discounts, good student discounts, and more. Here are some of the discounts you may be eligible for:

Discounts Offered by American National Car Insurance:

• Multi-car discount: If you insure two or more cars with American National, you may be eligible for a discount on your premium.
• Safe driver discount: If you have a clean driving record and haven’t had any accidents or tickets, you may be eligible for a safe driver discount.
• Good student discount: If you’re a student with good grades, you may be eligible for a good student discount.
• Anti-theft discount: If your car has an anti-theft device installed, you may be eligible for an anti-theft discount.
• Passive restraint discount: If your car has passive restraint systems, such as airbags, you may be eligible for a passive restraint discount.

Discounts Offered by State Auto Car Insurance:

• Multi-car discount: If you insure two or more cars with State Auto Car Insurance, you may be eligible for a discount on your premium.
• Safe driver discount: If you have a clean driving record and haven’t had any accidents or tickets, you may be eligible for a safe driver discount.
• Anti-theft discount: If your car has an anti-theft device installed, you may be eligible for an anti-theft discount.
• Accident forgiveness: If you’ve been with State Auto Car Insurance for at least three years and have a clean driving record, you may be eligible for accident forgiveness.
• Good student discount: If you’re a student with good grades, you may be eligible for a good student discount.

Case Studies: Comparing American National vs State Auto Car Insurance

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

John, a resident of Texas, recently switched his car insurance provider to American National. He was attracted to the company’s long-standing history and mission to provide financial protection and peace of mind to its customers.

John found the coverage options offered by American National to be comprehensive and suitable for his needs. After comparing quotes, he discovered that American National’s rates were slightly higher than the national average but still affordable.

Case Study 2: Sarah’s Experience With State Auto Car Insurance

Sarah, a resident of Georgia, decided to try out State Auto Car Insurance for her coverage. She was impressed by the company’s mission to “make insurance easy” and its reputation for excellent customer service.

State Auto offered a variety of coverage options that suited Sarah’s requirements. When Sarah compared quotes, she found that State Auto’s rates were slightly lower than the national average, making it an attractive choice.

Case Study 3: Mark and Lisa’s Experience With American National and State Auto Car Insurance

Mark and Lisa, a married couple residing in Ohio, compared American National and State Auto Car Insurance to find the best coverage for their needs. Mark preferred American National due to its long-standing history and reputation, offering comprehensive coverage options.

Although American National’s rates were slightly higher than the national average, they were still within their budget. On the other hand, Lisa was intrigued by State Auto Car Insurance’s mission to “make insurance easy” and positive customer reviews.

State Auto provided a variety of coverage options, and their rates were slightly lower than the national average. After obtaining quotes from both companies, Mark and Lisa ultimately chose State Auto Car Insurance due to its competitive rates, positive customer reviews, and commitment to customer service.

It’s important to remember that this case study is fictional and based on real-world scenarios, serving as an example of how individuals may compare American National and State Auto Car Insurance to make an informed decision.

American National vs. State Auto Effortless Claims Process

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

Both American National and State Auto Car Insurance offer convenient options for filing insurance claims. Customers can choose to file their claims online through the respective company websites or use mobile apps provided by the insurers. Additionally, claims can also be filed over the phone for those who prefer a more traditional approach.

Average Claim Processing Time

The average claim processing time is a critical factor for customers seeking prompt resolution of their claims. While specific processing times may vary depending on the nature of the claim and individual circumstances, both American National and State Auto Car Insurance aim to provide efficient and timely claims processing.

Customers can expect their claims to be handled in a reasonable timeframe, but it’s essential to contact the insurer directly for precise information regarding claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in assessing the satisfaction levels of policyholders with regard to claim resolutions and payouts. American National and State Auto Car Insurance have generally positive reviews from their customers regarding the claims process.

While there may be occasional negative experiences, the majority of customers report satisfaction with how their claims were handled. It’s advisable for prospective policyholders to read customer reviews and conduct thorough research to gauge the quality of claim resolutions and payouts for their specific needs.

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Unleashing Innovation With American National vs. State Auto Digital and Technological Features

Mobile App Features and Functionality

Both American National and State Auto Car Insurance offer mobile apps with various features and functionalities designed to enhance the customer experience.

These apps typically provide policyholders with the ability to manage their policies, access digital ID cards, file claims, make payments, and receive real-time updates on their coverage. The apps are user-friendly and available for download on smartphones and tablets, making it convenient for customers to access their insurance information on the go.

Online Account Management Capabilities

Policyholders of American National and State Auto Car Insurance can take advantage of robust online account management capabilities. Through their respective websites, customers can log in to their accounts to view policy details, make changes to their coverage, request quotes, and track the status of claims.

Online account management simplifies the insurance process, allowing customers to have greater control and visibility into their policies.

Digital Tools and Resources

Both insurers offer a range of digital tools and resources to educate and assist their customers. These resources may include online insurance calculators, informative articles, FAQs, and educational materials to help policyholders make informed decisions about their coverage.

Customers can access these resources through the insurers’ websites, providing valuable information to enhance their understanding of auto insurance and related topics.

Customer Reviews of American National vs State Auto

American National and State Auto Car Insurance have generally positive reviews from their customers. While there are some negative reviews, the vast majority of customers are satisfied with their experience with these companies.

Customer Reviews for American National Car Insurance:

• American National has generally positive reviews from its customers. The company has a rating of 4.2 out of 5 stars on Trustpilot, based on more than 1,500 reviews. Many customers praise American National for its competitive pricing, helpful customer service, and easy claims process.
• One customer wrote, “I switched to American National for car insurance and was blown away by the savings. The customer service is also fantastic, and the claims process was quick and easy.”
• Another customer said, “I’ve had nothing but good experiences with American National. Their rates are competitive, and their customer service is top-notch.”
• Of course, there are some negative reviews as well. Some customers have reported issues with claims processing or have had difficulty reaching customer service. However, these negative reviews appear to be in the minority.

Customer Reviews for State Auto Car Insurance:

• State Auto Car Insurance also has generally positive reviews from its customers. The company has a rating of 4.3 out of 5 stars on Trustpilot, based on more than 1,300 reviews. Many customers praise State Auto for its affordable rates, knowledgeable agents, and easy-to-use website.
• One customer wrote, “I’ve been a customer of State Auto for several years and have always been impressed with their customer service. They make it easy to manage your policy and are always available to answer questions.”
• Another customer said, “I recently switched to State Auto and have been very happy with the service I’ve received. Their rates are competitive, and their agents are knowledgeable and helpful.”
• As with American National, there are some negative reviews as well. Some customers have reported issues with claims processing or have had difficulty getting in touch with customer service. However, these negative reviews appear to be in the minority.

FAQs: American National vs State Auto Car Insurance

Q: Can I buy car insurance online from American National or State Auto Car Insurance?

A: Yes, both companies offer online quotes and the ability to purchase car insurance online.

Q: Does American National or State Auto Car Insurance offer roadside assistance?

A: Yes, both companies offer roadside assistance as an add-on to their car insurance policies.

Q: Can I bundle my car insurance with other types of insurance with American National or State Auto Car Insurance?

A: Yes, both companies offer bundling options that allow you to save money on your insurance policies.

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