Compare American National vs. Travelers Insurance

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American National and Travelers are both well-known companies in the insurance industry. American National was founded in 1905, and Travelers was founded some years earlier in 1864. Travelers was rated the #3 auto insurer for 2016, offers great GAP coverage and flexible payment plans, and has a large selection of auto discounts. Meanwhile, American National has an excellent online customer service portal and flexible claims services. However, Travelers and American National both lack important and necessary resources on their respective websites; moreover, American National’s site is hard to navigate. 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 Travelers
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Travelers
  • You need flexible payment plans or GAP coverage
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
Travelers
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

American National Travelers
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.

Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance Travelers Car Insurance
2016 1 34
2015 0 46
2014 1 29
2013 0 165

U.S. Auto Insurance Shopping Study (2016)

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

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

American National Car Insurance Travelers Car Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Below average
Settlement Average

Financial Strength Ratings

American National Car Insurance Travelers Car Insurance
A.M. Best A A++
Moody's -- Aa2
S&P's A AA

Mobile Apps

American National Travelers
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.

Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

Roadside Assistance

American National Travelers
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). 

Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.