Compare American National vs. National General Insurance

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A couple of the biggest names in the world of auto insurance are American National and National General. American National was founded in 1905, and 15 years later in 1920, National General was founded. While National General is best if you are affiliated with General Motor Clubs, American National is best if you want a good variety of insurance options. However, American National lacks important detail on their website, and National General may raise your premium without notice and charges hidden fees. Yet and still, both companies mobile apps available to their customers and have excellent 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 National National General
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
National General
  • You’re affiliated with General Motors Club
Worst If 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
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

American National National General
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.

National General

National General refers to its array of discounts as SmartDiscounts, presumably because they are smart and simple ways to save money off your auto insurance policies.

According to the company’s website, customers who switch to National General save an average of $442 a year, and that’s before applying SmartDiscounts to your policy!

  • GM/GMAC Customer Discounts
  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • GM Loyalty Discount
  • Safe-Driver Discounts
  • RVs and Autos on One Convenient Policy
  • Motorcycle Discounts
  • OnStar Subscriber Discount
  • Low Mileage Discount
  • GM Family First Discounts
  • Affinity Discounts
  • GM Supplier Discount

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance National General Insurance
2016 1 69
2015 0 74
2014 1 50
2013 0 30

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

American National National General
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.

National General

National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here

Roadside Assistance

American National National General
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). 

National General

National General Motor Club Roadside Assistance

The National General Motor Club gives those insured by National General a membership plan for three levels of roadside assistance coverage. The Motor Club, similar to other full suite roadside assistance memberships gives you travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving

Motor Club Basic

Cost per year: Single - $59. Couple - $69.

  • Towing up to 5 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $120

Motor Club Standard

Cost per year: Single - $79. Couple - $94. Each Dependent - $15.

  • Towing up to 20 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $150

Motor Club Elite

Cost per year: Single - $89. Couple - $99. Family - $119.

  • Towing up to 100 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $90
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $260

Contact Phone Numbers

Roadside Assistance Hotline 888-310-4173

Customer Service 888-310-4173

Trip Routing 888-310-4173

By signing up for the GM Motor Club (now referred to as “National General Motor Club”), you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees.