Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and American National. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Esurance and American National are two great companies that can provide you with the auto insurance policies you may need. Esurance was founded in 1999, while American National was founded in 1905. Both companies offer a wide variety of auto discounts. Esurance has a broad selection since Allstate is its parent company, and American National has some unique discounts of its one such as a Three Line discount.
Though American National has exceptional customer service ratings, its website lacks abundant information on its insurance products. Esurance also has great customer service, but in turn lacks a reliable roadside assistance program.
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 |
Esurance
|
American National
|
| Worst If |
Esurance
|
American National
|
|
Esurance
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below. Fast 5 DiscountThis discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com. Paid-in-Full DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer. Emergency Road Assistance DiscountYou can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
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. |
| Bundling Coverage Discounts | Esurance | American National |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | American National |
| 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 | Esurance | American National |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | American National |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | American National |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | American National |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | American National Auto Insurance | |
|---|---|---|
| 2016 | 48 | 1 |
| 2015 | 67 | 0 |
| 2014 | 47 | 1 |
| 2013 | 43 | 0 |
| Esurance Auto Insurance | American National Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Among the best |
| Esurance Auto Insurance | American National Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | |
| First Notice of Loss | Below average | |
| Service Interaction | Below average | |
| Appraisal | Below average | |
| Repair Process | Below average | |
| Rental Car Experience | Below average | |
| Settlement | Below average |
| Esurance Auto Insurance | American National Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | -- |
| S&P's | -- | A |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
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). |