Comparing quotes is the best way to get your lowest rates from top insurers like American National and GEICO. QuoteWizard is an independent company that helps you find your right policy at your best rate.
American National and GEICO are both big companies when it comes to auto insurance. American National was founded in 1905, while GEICO was founded in 1936. GEICO was rated the top auto insurer for 2016, and offers a wide selection of auto discounts, as well as excellent customer service and affordable premiums. On the flip side, American National has a strong customer service portal and great claims settlement services. However, American National lacks helpful online resources, and GEICO is missing some basic coverage options and discounts. Still, both companies have great financial strength and J.D. Power 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
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GEICO
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| Worst If |
American National
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GEICO
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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. |
GEICO
GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:
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| Bundling Coverage Discounts | American National | GEICO |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | GEICO |
| 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 | GEICO |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | GEICO |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | GEICO |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | GEICO |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| 2016 | 1 | 144 |
| 2015 | 0 | 283 |
| 2014 | 1 | 267 |
| 2013 | 0 | 188 |
| American National Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Below average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Below average | |
| Call Center Representative | Average | |
| Insurer Website | Average |
| American National Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Above average | |
| Service Interaction | Below average | |
| Appraisal | Average | |
| Repair Process | Below average | |
| Rental Car Experience | Among the best | |
| Settlement | Average |
| American National Auto Insurance | GEICO Auto Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | -- | Aa1- |
| S&P's | A | AA+ |
|
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. |
GEICO
The GEICO Mobile Appprovides customers easy access to their insurance policies. Its features include:
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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). |
GEICO
GEICO Roadside Assistance With Emergency Road ServiceGEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with: Roadside Assistance Services Covered
Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made. Contact Phone NumberYou can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411. Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are. |