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American National and Erie are two, top-rated companies in the auto insurance industry. American National was founded in 1905, while Erie was founded two decades later in 1925. American National is preferred by customers because they offer an array of insurance coverage options, while Erie is preferred by customers because of the excellent customer service. However, Erie premiums are a little bit more expensive than other companies and American National’s website can be difficult to navigate. Still, both companies offer an excellent array of discounts for customers. 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
|
Erie
|
| Worst If |
American National
|
Erie
|
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. |
Erie
Other Discounts:
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| Bundling Coverage Discounts | American National | Erie |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | Erie |
| 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 | Erie |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | Erie |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | Erie |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | Erie |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| 2016 | 1 | 43 |
| 2015 | 0 | 40 |
| 2014 | 1 | 35 |
| 2013 | 0 | 19 |
| American National Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Above average | |
| Pricing | Among the best | |
| Local Agent | Above average | |
| Call Center Representative | -- | |
| Insurer Website | -- |
| American National Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Average | |
| Service Interaction | Above average | |
| Appraisal | Average | |
| Repair Process | Among the best | |
| Rental Car Experience | Average | |
| Settlement | Average |
| American National Auto Insurance | Erie Auto 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. |
Erie
eSSENTIAL Accessibility App. This free app helps you navigate Erie’s website from your mobile device. It’s geared for those with physical disabilities who have trouble using a mouse. The app has keyboard and mouse replacement options and aims to aid the disabled. |
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). |
Erie
Erie Emergency Road ServiceEmergency Road Service coverage is offered as part of your current car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero. Service Covered
Contact Phone NumberErie Emergency Road Service Hotline: (800) 367-3743 |