Safeco and American National are two big names in the world of insurance. Safeco was founded in 1923, and American National was founded in 1905. While Safeco offers a wide range of driver discounts, American National likewise carries a vast selection of insurance products for not only cars, but also for other types of vehicles like boats and motorcycles.
However, American National’s website lacks detailed information on some of its products and can be difficult to navigate, and Safeco’s follow-up with claims and complaints is slow and unreliable. Still, both companies have good financial strength 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.
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.
This gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.
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.
This is offered when you insure your vehicle, home, and life with American National.
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.
Safeco has a wide range of discounts that can help save you tons on your auto insurance policy.
Some of its basic discounts include the following:
This discount combines three features: coverage, savings, and convenience.
The Safeco Package can save you up to 15 percent when you combine your home and auto policies
Picture this: both your home and car are damaged by the same event. You may only have to pay a one lump sum deductible.
With Safety Rewards, you can lower your insurance costs on the following conditions:
These are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:
Comparing quotes is the best way to get your lowest rates from top insurers like American National and Safeco. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | American National | Safeco |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | Safeco |
| 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 | Safeco |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | Safeco |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | Safeco |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | Safeco |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| 2016 | 1 | 152 |
| 2015 | 0 | 210 |
| 2014 | 1 | 274 |
| 2013 | 0 | 269 |
| American National Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | Below average | |
| Insurer Website | -- |
| American National Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Above average | |
| Service Interaction | Average | |
| Appraisal | Average | |
| Repair Process | Average | |
| Rental Car Experience | Above average | |
| Settlement | Average |
| American National Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | -- | A2 |
| 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. |
Safeco
Safeco doesn’t have a mobile app for auto insurance, but it does have one for homeowners insurance. The Safeco Home Inventory App lets you easily catalog all your valuables and belongings in your home. You can keep track of all your items by room or category. View your inventory should something happen to your home. |
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). |
Safeco
Safeco Roadside AssistanceRoadside Assistance with Safeco provides policy holders additional coverage for 24/7 roadside service. An insured car with roadside assistance coverage is eligible for services along with insured RV's and motorcycles. Roadside Services Covered:
Contact Phone NumberHotline: 1-877-762-3101 Roadside assistance operates 24 hours a day, 7 days a week. |