Compare AAA vs. American National Insurance

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At first glance, AAA and American National look like equals in the world of auto insurance. AAA was founded in 1902 and American National was founded shortly after in 1905. Known for its impeccable roadside assistance service, AAA also is known for the array of discounts it offers to customers. American National makes an excellent variety of products available to its customers as well.

Of course, each company has its weaknesses; American National’s website isn’t very informative, and AAA only allows members four service calls in a year. Still, both companies have above average financial ratings from A.M. Best and S&P’s. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA American National
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
American National
  • You want to use their website as your #1 point of reference; American National doesn’t provide abundant information on their products on the website

Special Car Insurance Discounts

AAA American National
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
American National

The Fresh Start discount is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage.

The Association discount gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.

Cashback is an American National program that is available to those who insure both their vehicles and home with American National. In addition, they must remain claim free for three consecutive years. At that point, American National sends a check that includes 25 percent of the total home and auto premiums you paid the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount becomes greater which each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA American National
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA American National
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA American National
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA American National
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA American National
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA American National
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance American National Car Insurance
2016 1
2015 0
2014 1
2013 0

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance American National Car Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Above average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance American National Car Insurance
Overall Satisfaction Above average
First Notice of Loss Above average
Service Interaction Above average
Appraisal Average
Repair Process Among the best
Rental Car Experience Above average
Settlement Above average

Financial Strength Ratings

AAA Car Insurance American National Car Insurance
A.M. Best A+ A
Moody's -- --
S&P's A A

Mobile Apps

AAA American National
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

American National

Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more.

Roadside Assistance

AAA American National
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
American National

Easy Tow Roadside Assistance from ANPAC

Easy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee, up to the limits of you car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you.

Roadside Assistance Services Covered

  • Tire change
  • Gas delivery
  • Lockouts
  • Towing
  • Jump start
  • Winching

Contact Phone Number

With roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869).