Comparing quotes is the best way to get your lowest rates from top insurers like American National and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
21st Century and American National are both top companies in the auto insurance industry. 21st Century was founded in 1958, and American National was founded in 1905. While American National offers a broad range of additional auto options such as boat insurance, and has a helpful customer service portal, 21st Century excels in its friendly customer service and affordable auto insurance rates.
However, the former’s website is seemingly difficult to navigate and its products lack sufficient detail, while the latter is known to cancel or raise people’s policies without notice. Still, both have comparably good financial strength ratings.
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 |
American National
|
21st Century
|
| Worst If |
American National
|
21st Century
|
American National
The Fresh Start discount.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. The Association discount.This gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs. Cashback.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. The Three Line discount.This is offered when you insure your vehicle, home, and life with American National. The Collector’s discount.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. |
21st Century |
| Bundling Coverage Discounts | American National | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | 21st Century |
| 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 | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 1 | 4 |
| 2015 | 0 | 2 |
| 2014 | 1 | 9 |
| 2013 | 0 | 3 |
| American National Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Below average | |
| Policy Offerings | Below average | |
| Pricing | Below average | |
| Local Agent | Below average | |
| Call Center Representative | Below average | |
| Insurer Website | Among the best |
| American National Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Below average | |
| Service Interaction | Average | |
| Appraisal | Average | |
| Repair Process | Below average | |
| Rental Car Experience | Average | |
| Settlement | Average |
| American National Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | -- | -- |
| S&P's | A | A+ |
|
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. |
21st Century
The 21st iPhone appThis mobile app lets you view and pay insurance bills. You also get 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. |
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). |
21st Century
21st Roadside AssistanceAs a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost. 21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair shop. The cost of parts such as tires, batteries, belts and gasoline are not covered. Roadside Services Covered
Contact Phone NumberHotline: 1 (888) 244-6163. |