American National Car Insurance Reviews: Coverage, Rates and More

American National is a major insurance provider offering auto, home, life, business and other policies across the United States. With more than 100 years in business, the company has established itself as a household name.

But how good is American National’s car insurance? In this comprehensive review, we’ll examine American National’s auto insurance policies, rates, discounts and more, along with actual customer reviews and ratings.

Overview of American National Car Insurance

American National offers standard auto insurance policies to drivers across the U.S. Here are some key facts about their car insurance coverage:

• Available in 50 states – Policies are accessible no matter where you live.

• Range of coverage options – Liability, collision, comprehensive, uninsured motorist, rental reimbursement and more.

• Usage-based program – Milewise rewards safe driving habits.

• Multiple discounts – Savings for multi-car, safe driver, paid-in-full, and more.

• Add-on benefits – Roadside assistance, rideshare coverage, rental car damage waiver.

• Online quotes and policy management – Quote, buy, pay bills and file claims through their website and app.

Now let’s take a closer look at what real customers have to say about American National’s auto insurance in reviews across the web and on the Better Business Bureau (BBB) website.

American National Car Insurance Reviews on WalletHub

American National currently has a 2.2 out of 5 rating based on 170 reviews on WalletHub, a personal finance website. The most common complaints from customers include:

• Poor claims handling and delays in payments

• Frequent premium increases and policy changes

• Difficulty getting responses and help from agents

• Cancellation of policies due to filing claims

Here are examples of actual 1-star American National reviews on WalletHub:

“The absolute worst. Repeatedly lied to me about issued payment and ended up hiring a law firm to defend the policy.”

“I put in a claim for my water leak back in Oct 2022 and got part of my claim paid for water leaks that caused mold to my condo; then found out recently they’re not renewing our contract due to filing claim one time to them which I think is very odd or they feel they’re not making money from us so they are not willing to renew us.”

“Blood-sucking thieves! Doubled our HO policy after 3 years with no claims.”

American National Car Insurance Reviews on BBB

On the Better Business Bureau website, American National has a poor 1.5 out of 5 rating based on 26 reviews. Many customers describe bad experiences trying to file claims and get payments:

• “This is by far the worst of all-time, I called about a owed premium and was told to pay before Nov.11 when I called in they informed m I was terminated.”

• “Absolutely worst experience ever. Evidently we have been driving with no insurance for over two months because American National didn’t bother to convert our quote into an actual insurance policy.”

• “Let me start by saying, I’m a customer of American National, I’ve been paying auto and home premiums for insurance for years. 10/25/23 I was struck by another vehicle, not my fault… AVOID AT ALL COSTS, DRIVE WITHOUT INSURANCE.”

American National Car Insurance Rates

How much does coverage from American National cost compared to other insurers? Here are average annual premiums across different driver profiles:

For most driver types, American National offers slightly cheaper average car insurance rates than competitors. However, premium costs can vary widely based on location, driving history and other personal factors.

American National Usage-Based Car Insurance Program

American National offers Milewise insurance as an affordable usage-based option. With Milewise, you pay per mile driven instead of a fixed premium. Here’s how it works:

• Download the Milewise app and allow it to monitor driving.
• Pay a base rate of $4.95 per month plus per mile charges.
• Rates are 1-10¢ per mile depending on driving skills.
• Good driving means earning rewards and lower per-mile costs.
• No long-term contracts. Cancel any time.

The Milewise program offers a flexible way to save money for less frequent drivers. However, heavy drivers will likely pay more than with traditional policies.

What Car Insurance Discounts Does American National Offer?

American National provides many common auto insurance discounts to help lower premiums:

• Multi-car discount – Insuring two or more vehicles.

• Multi-policy discount – Having home or life policies too.

• Good driver discount – No accidents or violations for 3-5 years.

• Student discount – High GPA requirements for drivers under 25.

• Safe vehicle discount – Cars with airbags, anti-theft systems.

• Paid-in-full discount – Pay 6 months or full year upfront.

Bundling discounts for multiple cars, policies and safe driving can help American National drivers save substantially. However, the company offers fewer unique discounts than some competitors.

How Do I File a Claim with American National Car Insurance?

Here are the steps to take when filing an auto insurance claim with American National:

• Call American National at 800-333-2860 or file a claim online/via mobile app.

• Provide details about the accident, damage, injuries and any police reports.

• American National will assign an adjuster and arrange vehicle inspections.

• Submit any documents requested by the adjuster (estimates, medical records etc.).

• American National will communicate next steps for repairs, rental coverage, medical payments etc.

• Accept the final claim settlement offer once approved.

• Reach out to American National customer service with any questions during the process.

Is American National Car Insurance Recommended?

American National is an established insurance company with a strong financial outlook according to expert analysts. However, many customer reviews cite very poor experiences with claims handling, slow payments and premium increases. While they offer competitive base rates, the company’s reputation for customer service is concerning.

Drivers should carefully compare American National to both national companies like GEICO, Progressive and State Farm, as well regional providers with better satisfaction ratings. Obtain quotes from multiple insurers before choosing coverage.

The Bottom Line on American National Car Insurance

While American National offers affordable standard car insurance policies, their customer satisfaction rating is very poor according to most online reviews. Problems resolving claims and delayed payments are commonly cited issues. Drivers should thoroughly research insurers’ reputations and complaints before purchasing coverage.

For the best selection, pricing and customer experience, compare free quotes from top-rated companies through WalletHub. Simply answer a few questions and you can find the right high-quality car insurance for your needs.