Comparing quotes is the best way to get your lowest rates from top insurers like American National and The Hartford. QuoteWizard is an independent company that helps you find your right policy at your best rate.
American National and The Hartford are two big names in the world of insurance. The Hartford was founded in 1810, well before American National, which was founded in 1905. American National is well liked because of their helpful customer service, while Hartford is well liked because of its partnership with the AARP. On the other hand, The Hartford lacks 24-hour customer support for issues not related to claims and American National lacks detailed information on their website. Still 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
|
The Hartford
|
| Worst If |
American National
|
The Hartford
|
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 Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| Bundling Coverage Discounts | American National | The Hartford |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | American National | The Hartford |
| 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 Hartford |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | American National | The Hartford |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | American National | The Hartford |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | American National | The Hartford |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| American National Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 1 | 30 |
| 2015 | 0 | 72 |
| 2014 | 1 | 69 |
| 2013 | 0 | 67 |
| American National Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Among the best | |
| Local Agent | Average | |
| Call Center Representative | Average | |
| Insurer Website | Among the best |
| American National Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | |
| First Notice of Loss | Above average | |
| Service Interaction | Below average | |
| Appraisal | Average | |
| Repair Process | Among the best | |
| Rental Car Experience | Average | |
| Settlement | Above average |
| American National Auto Insurance | The Hartford Auto 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. |
The Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
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 Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |