Comparing quotes is the best way to get your lowest rates from top insurers like American National and Farmers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
American National and Farmers are both top companies in the world of auto insurance. American National was founded in 1905, and Farmers was founded in 1928. Farmers offers an extensive selection of auto discounts and policy options, while American National has reliable customer service and claims settlement services.
However, American National’s website is hard to navigate and lacks helpful online tools, and Farmers also has a weak online platform. Still, both companies have great financial strength ratings, and A+’s from the Better Business Bureau.
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
|
Farmers
|
| Worst If |
American National
|
Farmers
|
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. |
Farmers
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low. |
| Bundling Coverage Discounts | American National | Farmers |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | Farmers |
| 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 | Farmers |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | Farmers |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | Farmers |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | Farmers |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| 2016 | 1 | 167 |
| 2015 | 0 | 262 |
| 2014 | 1 | 237 |
| 2013 | 0 | 300 |
| American National Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Below average |
| American National Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Average | |
| Service Interaction | Above average | |
| Appraisal | Average | |
| Repair Process | Average | |
| Rental Car Experience | Average | |
| Settlement | Average |
| American National Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | -- | Aa3 |
| 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. |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
|
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). |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |