At first glance, AAA and American National look like equals in the world of auto insurance. Known for its 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 discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:
This 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.
This gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.
This program is for those who insure both their cars and home with American National. But you must remain claim free for three straight years. Then you'll get a check for 25 percent of your home and auto premiums for the last three years. Every year after that you remain claim free, you’ll receive a check as well.
This is offered when you insure your vehicle, home, and life with American National.
This becomes greater with each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.
Comparing quotes is the best way to get your lowest rates from top insurers like AAA and American National. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| 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 |
| AAA Car Insurance | American National Auto Insurance | |
|---|---|---|
| 2016 | 1 | |
| 2015 | 0 | |
| 2014 | 1 | |
| 2013 | 0 |
| AAA Car Insurance | American National Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | Above average | |
| Insurer Website | Average |
| AAA Car Insurance | American National Auto 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 |
| AAA Car Insurance | American National Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | -- |
| S&P's | A | A |
|
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. |
AAA
AAA Roadside AssistanceAAA 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:
Contact Phone NumberWhen you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:
|
American National
Easy Tow Roadside Assistance from ANPACEasy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee. But only up to the limits of your 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
Contact Phone NumberWith roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869). |