Comparing quotes is the best way to get your lowest rates from top insurers like American National and MetLife. QuoteWizard is an independent company that helps you find your right policy at your best rate.
American National and MetLife are two of the most well-known competitors in the insurance world. MetLife was founded in 1863, and American National was founded in 1905. MetLife is great if you are looking for helpful and knowledgeable representatives, while American National is great if you are looking for a variety of insurance options. On the flip side, American National’s website can be difficult to navigate, and MetLife doesn’t provide a lot of driver discounts. Nonetheless, both companies have excellent financial strength. 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
|
MetLife
|
| Worst If |
American National
|
MetLife
|
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. |
MetLife
Deductible Savings BenefitThis discount can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible. 12% Superior Driver DiscountYou can earn up to 12 percent if you and every driver in your home has a great driving records. 20% MetRewards DiscountSave up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you have no claims or violations for five years. |
| Bundling Coverage Discounts | American National | MetLife |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | MetLife |
| 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 | MetLife |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | MetLife |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | MetLife |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | MetLife |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | MetLife Car Insurance | |
|---|---|---|
| 2016 | 1 | 181 |
| 2015 | 0 | 333 |
| 2014 | 1 | 305 |
| 2013 | 0 | 323 |
| American National Auto Insurance | MetLife 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 | -- |
| American National Auto Insurance | MetLife Car Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | |
| First Notice of Loss | Below average | |
| Service Interaction | Below average | |
| Appraisal | Average | |
| Repair Process | Below average | |
| Rental Car Experience | Average | |
| Settlement | Below average |
| American National Auto Insurance | MetLife Car 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. |
MetLife
MetLife US AppThis app lets you securely access your account on the go. Use it to: report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area. The the other provides access to vision providers near 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). |
MetLife
Contact Phone NumberFor roadside assistance, call our hotline: 1-800-854-6011. |