Comparing quotes is the best way to get your lowest rates from top insurers like American National and The General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
American National and The General are two well known competitors in the auto insurance world. American National was founded in 1905 and The General wasn’t founded until 1963. The General is a good option for drivers with less than perfect driving records, while American National is a good option for drivers looking for a variety of insurance products. However, American National customers have complained about the lack of detail on product descriptions on their website, and The General customers have complained about the lack of an accident-forgiveness program. Still, both companies have a wide variety of discounts and great roadside assistance services. 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
|
The General
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| Worst If |
American National
|
The 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. |
The General |
| Bundling Coverage Discounts | American National | The General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | The 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 | The General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | The General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | The General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | The General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | The General Auto Insurance | |
|---|---|---|
| 2016 | 1 | 13 |
| 2015 | 0 | 14 |
| 2014 | 1 | 3 |
| 2013 | 0 | 4 |
| American National Auto Insurance | The General Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | |
| Policy Offerings | Above average | |
| Pricing | Above average | |
| Local Agent | Above average | |
| Call Center Representative | -- | |
| Insurer Website | -- |
| American National Auto Insurance | The General Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Average | |
| Service Interaction | Above average | |
| Appraisal | Average | |
| Repair Process | Average | |
| Rental Car Experience | Above average | |
| Settlement | Average |
| American National Auto Insurance | The General Auto Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | -- | -- |
| S&P's | 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. |
The General
The General Mobile AppThis app grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote. |
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). |
The General
The General 24/7 Roadside AssistanceThe General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month. Services Covered
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