10 Best American National Car Insurance Options & Insights

When it comes to finding reliable coverage, American National car insurance is often on people’s radar. This article dives deep from American National car insurance quotes to reviews, specialized policies, pros & cons, and how to choose among the best 10 offerings. Use this guide to assess whether it fits your needs.

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Why Consider American National?

Choosing the right car insurance provider is critical  you want coverage you can trust, fair pricing, and responsive support. American National car insurance offers a range of solutions for everyday drivers, classic car owners, and collectors.

In this article, you’ll discover the 10 best American National car insurance options (or plan types), what customers say in American National car insurance reviews, how to get an American National car insurance quote, and special policies like American National classic car insurance or collector car insurance. By the end, you should better understand whether American National car insurance is a good match for you.

2. What Is American National Car Insurance?

American National Insurance Company (ANICO) was founded in 1905 in Galveston, Texas. It offers a broad portfolio of insurance products and serves all 50 U.S. states (through subsidiaries and affiliates) including property and casualty lines.

The auto portion is handled under American National Property & Casualty Company and related affiliates.  Key benefits advertised include:

• Rental car coverage included (for comprehensive/collision policies)

• Coverage for up to $2,000 of aftermarket or customized equipment

• The possibility to combine deductibles if multiple insured assets are damaged in the same incident (e.g. home + auto)

Yet, as with all insurers, its strengths and drawbacks vary depending on state, driver profile, and policy type.

3. How to Get an American National Car Insurance Quote

Requesting a American National car insurance quote is straightforward:

1. Visit the American National auto insurance page on their website. Input your vehicle details, location, driving record, coverage options, and discounts.

2. Review the available policy options and premiums.

3. If needed, contact an agent to refine the quote or bundle with other products (e.g., home).

You may also call their toll-free line: 1 (800) 899-6519 for assistance.

Creating an American National car insurance account allows you to manage payments, view policy documents, or file claims online.

4. Customer Feedback & Reviews

4.1 Ratings & Expert Reviews

• NerdWallet gives 3 out of 5 stars to American National car insurance, placing it in the middle of the pack.

• Insurify notes that American National has a solid reputation for claim payments and holds an A (Excellent) rating from AM Best.

• American National itself states it’s held an A or higher rating from AM Best since 1941.

4.2 Consumer Reviews & Complaints

• On WalletHub, customers express frustration with customer service, agent responsiveness, and higher-than-expected premiums. Yelp reviews average 1.5 stars for American National, indicating many unhappy policyholders.

• On Reddit, a user mentioned getting a “pretty good rate for full coverage,” but also uncertainty in the company’s broader reputation.

• BBB (Better Business Bureau) records show multiple complaints; the company is not BBB-accredited.

• Some local reviews for a specific branch mention poor handling and lack of service priority.

Conclusion from reviews: While American National car insurance reviews are mixed, many customers raise red flags about support and claims, despite favorable financial strength ratings.

5. Top 10 American National Car Insurance Options & Policy Types

Below are 10 prominent American National car insurance offerings or variants you can look into. (Note: availability may vary by state.)

6. American National Car Insurance in Colorado

If you live in Colorado, here are special considerations for American National car insurance Colorado:

• Colorado’s auto-insurance laws may impose minimum liability limits and specific coverage requirements (e.g. uninsured motorist coverage).

• Premiums in Colorado tend to be higher in areas with more claims or weather risks (hail, storms).

• American National’s coverage may differ in Colorado (some features available in other states may not be available there). Always request a Colorado-specific American National car insurance quote.

• Compare with local carriers to see if American National’s offerings remain competitive within that state.

7. American National Customer Service & Contact Info

7.1 Phone & Address

• American National car insurance phone number: 1 (800) 899-6519 for general inquiries.

• Address & Branch Contacts: You can reach out via the “Contact Us” page on their official site for agent locations and local offices.

7.2 Customer Service Experience

Many consumer reviews cite issues with American National car insurance customer service difficulty reaching agents, slow claims processing, or less helpful support.

However, the company offers online account access (login) to facilitate bill payments, policy viewing, and submitting claims.

8. Pros, Cons & Comparison Guide

8.1 Pros

• Strong financial stability and A (Excellent) rating from AM Best.

• A variety of coverage options (standard, classic, specialty) under one insurer.

• Some policies include value-adds (e.g. free rental car, customization coverage)

• Integration of online account tools, making some transactions easier.

8.2 Cons & Cautions

• Mixed customer service feedback and complaints about claim resolution and support.

• Availability and policy features vary significantly by state, which may reduce consistency.

• Premiums may be non-competitive in some markets when compared to major auto insurers.

8.3 How It Compares to Other Insurers

Given the customer feedback volume and insurer scale, American National may lag behind national auto giants in responsiveness or digital tools. But for niche use-cases (classic cars, farm use, bundling with property), the integrated offerings can be compelling.

Before committing, compare your American National car insurance quote with alternatives like State Farm, Geico, Progressive, or local carriers in your state.

9. Tips to Lower Your Premiums with American National

To make your American National car insurance more affordable:

• Maintain a clean driving record (avoid accidents, tickets).

• Bundle policies (home, vehicle, farm) with American National.

• Ask for all applicable discounts (multi-vehicle, safety features, good driver).

• Opt for higher deductibles (if you can self-cover minor damage).

• Use pay-as-you-drive or usage-based discounts (if offered in your state).

• Insure classic/collector cars under specialized policies (may be cheaper under classic valuation vs full value).

FAQs 

FAQ 1: What is American National car insurance and how does it work?
American National car insurance provides protection for vehicle owners against damages, accidents, and liability claims. Offered by the American National Insurance Company, it includes standard, comprehensive, and collision coverage. You can customize your plan, add roadside assistance, or bundle it with home insurance for extra savings. It’s a strong option for reliable, flexible car coverage.

FAQ 2: How can I get an American National car insurance quote?
To obtain an American National car insurance quote, visit the official website and provide your vehicle, driver, and location details. You can also call the American National car insurance phone number (1-800-899-6519) for agent assistance. Online quotes let you compare rates, explore discounts, and choose the best coverage level based on your driving habits and state requirements.

FAQ 3: What do American National car insurance reviews say about the company?
American National car insurance reviews are mixed. Many customers appreciate the financial strength and broad coverage options, while others report delays in claims or customer service issues. The company holds an A (Excellent) rating from AM Best, showing strong financial reliability. However, it’s wise to compare reviews across multiple platforms before finalizing your policy.

FAQ 4: Is American National car insurance available in Colorado?
Yes, American National car insurance Colorado policies are available to residents statewide. Coverage options vary depending on Colorado’s insurance laws, including mandatory liability and uninsured motorist coverage. Drivers can request personalized quotes from local agents to ensure compliance and explore regional discounts. Always verify state-specific terms before purchasing American National car insurance in Colorado.

FAQ 5: How do I contact American National car insurance customer service?
You can reach American National car insurance customer service by calling 1-800-899-6519 or visiting the contact page on their website. Customers may also log in to their American National car insurance account to file claims, view policy details, or make payments online. Having your policy number ready ensures faster support from a licensed agent or representative.

FAQ 6: Does American National offer classic or collector car insurance?
Yes. American National classic car insurance and American National collector car insurance policies protect vintage, rare, and collectible vehicles. These plans account for agreed value rather than market depreciation, ensuring full protection in case of total loss. Owners often enjoy lower premiums because classic cars are typically well-maintained and driven less frequently than everyday vehicles.

FAQ 7: How do I log in to my American National car insurance account?
To access your American National car insurance login, visit the company’s official website and select the “Login” option under “Customer Portal.” Once logged in, you can pay bills, check coverage details, download ID cards, and track claims. Secure login ensures that customers can manage all American National insurance car services quickly and conveniently from any device.

FAQ 8: What discounts are available with American National car insurance?
American National car insurance offers various discounts, including safe driver rewards, multi-policy savings, multi-vehicle bundles, and good student discounts. Customers can also lower premiums by installing safety devices or enrolling in automatic payments. Bundling home, farm, or life insurance with American National P&C car insurance may yield substantial cost savings across all your insurance policies.

FAQ 9: How do I file a claim with American National car insurance?
To file a claim with American National car insurance, you can log in online or contact customer service by phone. You’ll need to provide your policy number, accident details, and photos if available. Claims representatives guide you through repairs, assessments, and settlements. Timely reporting ensures faster processing and smoother communication with American National Insurance Company.

FAQ 10: Is American National car insurance a good choice overall?
American National car insurance is a solid choice for drivers seeking financial strength, diverse coverage, and bundling opportunities. However, American National car insurance reviews highlight mixed customer experiences with claims and service response times. It’s best for policyholders who prefer working with local agents, value customization, and want the security of an established insurance company.

Conclusion & Final Thoughts

In summary, American National car insurance presents a robust set of options across standard, classic, and specialty auto coverage. Their financial strength is solid, and features like rental reimbursement, customization protection, and bundling appeal to many buyers.

However, customer service and responsiveness remain points of concern based on many American National car insurance reviews. Before you settle, always obtain and compare several American National car insurance quotes, test local agent support, and read state-specific policy terms.