When it comes to protecting your car, choosing the right auto insurance is important. American National Auto Insurance not only offers comprehensive coverage options, but its costs are also competitive, making it a preferred choice for many customers.
In this blog, we will discuss American National Auto Insurance’s cost, coverage options, and why it is considered a great auto insurance provider.
Whether you want to compare rates in different states, understand the impact of driving history, or compare it with other companies, you’ll find all the answers here.
Overview of American National Auto Insurance
American National Auto Insurance is a reputable insurance provider in North America, offering its customers comprehensive coverage and high-level services at affordable rates. The company offers customized plans for personal and business vehicle protection keeping in mind the diverse needs of drivers.
Under this, customers get options like Liability Coverage, Comprehensive Coverage, and Collision Coverage. Fast and simple claims process, 24/7 customer support, and digital features make it one of the best auto insurance providers.
American National is committed to making your vehicle protection easy and effective.
What is American National Auto Insurance?
American National Auto Insurance is a well-known insurance provider, known for its comprehensive coverage and reliable services in North America. This company has been providing high-quality security and services to customers for many decades. Its main objective is to ensure your vehicle and financial security.
This insurance company offers a variety of plans, designed according to your individual needs and budget. Also, it is committed to providing advanced services at competitive rates.
Key Features and Benefits of American National Auto Insurance
American National Auto Insurance offers many key features and benefits to its customers, making it known as one of the best auto insurance providers.
Main Characteristics
- Wide Coverage Options
- Liability Coverage: Protection against legal responsibilities arising from accidents on the road.
- Comprehensive Coverage: Protection against theft, fire, natural calamities and other unexpected events.
- Collision Coverage: Covers the cost of repairing the vehicle after an accident.
- Affordable and competitive rates
- American National offers budget-friendly insurance plans to customers, making it one of the best auto insurance providers.
- Customer Service and Claims Process
- Fast and simple claim process.
- 24/7 customer support.
- Special discount for drivers
- Special discounts for customers with good driving records.
- Discounts on multi-car and policy bundling.
- Digital Facilities
- Policy management through mobile app.
- Quick access to online payments and documents.
Key Benefits
American National Auto Insurance not only ensures the protection of your vehicle, but it also makes handling your insurance needs easy and effective. Whether you are an experienced driver or a new vehicle owner, this insurance is suitable to meet your every need.
Average Cost of American National Auto Insurance
The average cost of American National auto insurance ranges from $101 per month, depending on the type of coverage, location, and personal factors. Its premium rates are affected by several factors, such as driving history, age, type of vehicle, and purpose of use.
For example, customers with good driving records enjoy lower rates, while luxury vehicles cost more.
This insurance company offers comprehensive coverage at affordable rates, making it one of the best auto insurance providers. Customers can choose the coverage option as per their needs.
Factors Affecting the Cost of American National Auto Insurance
American National Auto Insurance premium rates are affected by several factors, including the following:
- Driving History
- Good Record: Low premium rates.
- Accidents and Claims: Higher premiums.
- Age and experience
- Young drivers: higher rates.
- Experienced Drivers: Competitive rates.
- Location (State Wise)
- Premium rates may also be higher in states where the probability of an accident is higher.
- Rates are generally higher in urban areas than in rural areas.
- Vehicle type and use
- Expensive or luxury vehicles: Higher premiums.
- General purpose vehicles: Low premium.
- Types and extent of coverage
- Basic Coverage: Affordable.
- Full Coverage: More protection, but higher cost.
Main Benefits and Tips
- Choosing the Best Auto Insurance Provider: Lower your costs by maintaining a better driving record and taking advantage of discounts like multi-car discounts.
- Compare Policies: Compare American National with other providers to find the most affordable and suitable option.
Coverage Options in American National Auto Insurance
American National Auto Insurance offers customers a wide range of coverage options, including Liability Coverage, Comprehensive Coverage, and Collision Coverage. This company also offers options like uninsured motorist coverage and personal injury protection.
Additionally, add-on options like Roadside Assistance and Gap Insurance make it more flexible. It is designed to meet the needs of every customer.
Standard Coverage Options
American National Auto Insurance offers several standard coverage options to its customers, ensuring your vehicle and financial protection. These main options include:
- Liability Coverage: This option covers damage or injury caused to third parties during a road accident. It is legally mandatory in most states.
- Comprehensive Coverage: It provides protection to your car against incidents like theft, fire, natural disaster, and vandalism.
- Collision Coverage: Covers the cost of repairing or replacing a vehicle caused by an accident, whether the accident is your fault or not.
- Personal Injury Protection (PIP): Covers medical expenses, lost income, and other costs associated with personal injuries.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage is helpful in cases when the person responsible for the accident does not have adequate insurance.
Additional Coverage Options
American National Auto Insurance offers many additional options to meet the individual needs of customers, making it one of the best auto insurance providers. These options are:
- Roadside Assistance: This service provides help in situations like your car breaking down, tire puncture, or running out of fuel.
- Rental Car Coverage: This coverage covers the cost of a rental car if your car goes in for repairs.
- Gap Insurance: If your vehicle is totaled, this coverage covers the remaining loan or lease amount on the vehicle.
- Custom Equipment Coverage: This covers any additional equipment or modifications you add to your car.
- Multi-Policy Discount: If you bundle your home and auto insurance together, this option can reduce premiums.
American National Auto Insurance Costs by Demographics and Driving History
American National auto insurance rates have a direct impact on your driving record. Customers with safe driving records receive lower rates, while cases such as traffic violations, accidents, or DUIs increase premium rates.
The table below shows the average quotes for Full Coverage and Liability Only policies based on different driving histories.
| Driving History | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Clean Record | $101 | $56 |
| With Speeding Ticket | $135 | $75 |
| With At-Fault Accident | $144 | $80 |
| With DUI | $173 | $96 |
Cost of American National Car Insurance by State
The cost of American national auto insurance varies by state, depending on local laws, risk factors, and regional traffic conditions. The table below compares the average quotes for Full Coverage and Liability Only policies in some major states.
| State | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Colorado | $111 | $57 |
| Idaho | $61 | $37 |
| Nebraska | $72 | $42 |
| Pennsylvania | $109 | $60 |
| South Carolina | $117 | $76 |
| Tennessee | $85 | $41 |
| Wyoming | $67 | $30 |
Impact of Driving History on American National Auto Insurance Rates
Your driving history directly affects your insurance premium.
- Clean Driving Record:
- Lower premiums for low-risk drivers.
- Opportunity to take advantage of the “Safe Driver Discount“.
- Records of Accidents:
- Previous claims or accidents can increase your insurance costs by up to 30%.
- Repeated accidents put them in the “high-risk” category.
- Traffic Violation:
- Violations like speeding tickets and DUI (Driving Under Influence) can increase the premium substantially.
Cost Variations by Age Group
Insurance companies consider age as a major factor in evaluating risk. American National auto insurance premiums vary for different age groups. Premium rates are higher for young and inexperienced drivers, while middle-aged drivers enjoy lower rates.
The table below gives the average monthly premium for different age groups.
| Age Group | Average Monthly Quote |
|---|---|
| Teens | $180 |
| 20s | $125 |
| 30s | $94 |
| 40s | $86 |
| 50s | $75 |
| 60s | $71 |
| 70s | $75 |
| 80+ | N/A |
How to Choose the Best Auto Insurance Provider?
To choose the best auto insurance provider, it is essential to evaluate the coverage options, cost, and reliability of the company. Consider providers like American National Auto Insurance, which offers options like Liability, Comprehensive, and Collision coverage.
Pay attention to the company’s customer service, simple claims process, and discount plans such as the “Safe Driver Discount” or “Multi-Policy Discount.”
Apart from this, the financial stability of the company and customer reviews are also important. Compare services and rates from different providers using online comparison tools. Choosing the right provider can ensure your financial security and peace of mind.
Evaluate Coverage Options and Costs
Before choosing any auto insurance, it is important to know what coverage options they offer and what they cost.
- Variety of Coverage Options:
- Make sure options like Liability, Comprehensive, and Collision coverage are available for your needs.
- Check for additional services like roadside assistance, gap insurance, and custom equipment coverage.
- Cost Comparison:
- Compare premium rates from different insurance companies.
- Select Full Coverage and Liability Only plans depending on your needs.
- Avail Discounts and Offers:
- Look for benefits like “Safe Driver Discount,” “Multi-Policy Discount,” and “Good Student Discount.”
Conclusion
American National Auto Insurance is established as one of the best auto insurance providers due to its comprehensive coverage, affordable rates, and customer-centric services.
Whether you’re looking for the right coverage to protect your vehicle or considering affordable premium options, American National may be the right fit for you.
In this blog we have discussed its major coverage options, cost, and factors to choose it.