Comparing quotes is the best way to get your lowest rates from top insurers like American National and National General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
A couple of the biggest names in the world of auto insurance are American National and National General. While National General is best if you are affiliated with General Motor Clubs, American National is best if you want a good variety of insurance options.
However, American National lacks important detail on their website, and National General may raise your premium without notice and charges hidden fees. Yet and still, both companies mobile apps available to their customers and have excellent financial strength.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
American National
|
National General
|
| Worst If |
American National
|
National General
|
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. |
National General
National General SmartDiscounts.National General says that switching to them saves customers an average of $442 a year. And that’s before applying SmartDiscounts to your policy!
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| Bundling Coverage Discounts | American National | National General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | National General |
| 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 | National General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | National General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | National General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | National General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | National General Car Insurance | |
|---|---|---|
| 2016 | 1 | 69 |
| 2015 | 0 | 74 |
| 2014 | 1 | 50 |
| 2013 | 0 | 30 |
| American National Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Purchase Experience | ||
| Policy Offerings | ||
| Pricing | ||
| Local Agent | ||
| Call Center Representative | ||
| Insurer Website |
| American National Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Satisfaction | ||
| First Notice of Loss | ||
| Service Interaction | ||
| Appraisal | ||
| Repair Process | ||
| Rental Car Experience | ||
| Settlement |
| American National Auto Insurance | National General Car Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | -- | -- |
| S&P's | A | BBB+ |
|
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. |
National General
National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here. |
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). |
National General
National General Motor Club Roadside AssistanceGives those insured by National General a membership plan for three levels of roadside assistance coverage. It's similar to other full suite roadside assistance memberships. You get travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving Motor Club BasicCost per year: Single - $59. Couple - $69.
Motor Club StandardCost per year: Single - $79. Couple - $94. Each Dependent - $15.
Motor Club EliteCost per year: Single - $89. Couple - $99. Family - $119.
Contact Phone NumbersRoadside Assistance Hotline 888-310-4173 Customer Service 888-310-4173 Trip Routing 888-310-4173 By signing up for the National General Motor Club, you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees. |