Compare AIG vs. American National Insurance

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AIG and American National are both top-rated companies in the auto insurance industry. American National was founded in 1905 and AIG followed 14 years later in 1919. AIG was ranked the number one commercial insurer in the US and Canada, while American National is good about settling claims in a timely fashion.

However, American National could simplify their website and AIG could work on personalizing customer service. Both, AIG and American National are known for their wide variety of insurance products they offer customers.

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

  AIG American National
Best If AIG
  • You want a wide selection of insurance products
American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
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

AIG American National
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

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 AIG American National
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG 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 AIG American National
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG American National
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG American National
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG American National
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance American National Car Insurance
2016 11 1
2015 29 0
2014 22 1
2013 17 0

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance American National Car Insurance
Overall Purchase Experience
Policy Offerings
Pricing
Local Agent
Call Center Representative
Insurer Website

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

AIG Insurance American National Car Insurance
Overall Satisfaction
First Notice of Loss
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement

Financial Strength Ratings

AIG Insurance American National Car Insurance
A.M. Best A- A
Moody's A1 --
S&P's A+ A

Mobile Apps

AIG American National
AIG 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

AIG American National
AIG 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).