Compare American Family vs. Titan Insurance

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Titan and American Family are two well-known companies in insurance world. Being under Nationwide, Titan was founded in 1926, and a year later in 1927—American Family was founded. Titan is well liked for their variety of discounts as well as flexible payment plans, and American Family is well liked for for its great variety of coverage options. However, American Family is only offered in 19 states and customers with Titan can only file claims on the phone. With all that in mind, still both companies offer great discounts and financial strength. 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

  American Family Titan
Best If American Family
  • You want many discount options or additional coverage
Titan
  • You want a lot of discounts and flexible payment plans
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

American Family Titan
American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

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

Consumer Complaint Data

American Family Car Insurance Titan Insurance
2016 33 1
2015 32 4
2014 18 4
2013 9 1

U.S. Auto Insurance Shopping Study (2016)

American Family Car Insurance Titan Insurance
Overall Purchase Experience Above average Average
Policy Offerings Above average Average
Pricing Above average Average
Local Agent Above average Average
Call Center Representative -- Average
Insurer Website -- Average

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

American Family Car Insurance Titan Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Above average Above average
Appraisal Average Above average
Repair Process Average Above average
Rental Car Experience Above average Average
Settlement Average Average

Financial Strength Ratings

American Family Car Insurance Titan Insurance
A.M. Best A- A+
Moody's -- --
S&P's A --

Mobile Apps

American Family Titan
American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

American Family Titan
American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)