American National vs Liberty Mutual Car Insurance for 2023

When it comes to car insurance, there are many options to choose from. Two popular companies are American National and Liberty Mutual. In this article, we will compare the two companies to help you make an informed decision about which one is right for you.

• Both American National car insurance and Liberty Mutual car insurance offer a wide range of coverage options, including liability, collision, comprehensive, and more. This means that customers can customize their policies to fit their specific needs.
• American National has been recognized by J.D. Power for providing excellent customer service, while Liberty Mutual offers a user-friendly mobile app for customers to manage their policies on the go.
• Both companies offer a variety of discounts to customers, ranging from safe driving discounts to multi-policy discounts. This can help customers save money on their premiums.

Whether you’re looking for affordable rates, excellent customer service, or a user-friendly mobile app, we’ll cover all the important factors to consider.

History and Mission of American National and Liberty Mutual

American National was founded in 1905 and is headquartered in Galveston, Texas. The company’s mission is to provide “financial security and peace of mind through our insurance, annuity, and investment products and services.” American National offers a variety of insurance products, including auto, home, life, and health insurance.

Liberty Mutual was founded in 1912 and is headquartered in Boston, Massachusetts. The company’s mission is to help people “live safer, more secure lives.” Liberty Mutual offers a variety of insurance products, including auto, home, renters, and life insurance.

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Coverage Options: American National vs Liberty Mutual

American National and Liberty Mutual offer a range of products and services when it comes to car insurance. Here is a more detailed overview of what each company provides:

American National:

• Liability Coverage: This is the minimum coverage required by law in most states. It covers bodily injury and property damage that you may cause to others while driving your car.
• Collision Coverage: This covers damage to your own car if you are in an accident with another vehicle or object.
• Comprehensive Coverage: This covers damage to your car caused by events such as theft, vandalism, and natural disasters.
• Personal Injury Protection (PIP): This covers medical expenses and lost wages for you and your passengers if you are injured in a car accident.
• Uninsured/Underinsured Motorist Coverage: This covers you if you are in an accident with a driver who is not insured or does not have enough insurance to cover your damages.
• Classic Car Insurance: This coverage is specifically designed for antique and vintage cars.
• Specialty Insurance: American National also offers insurance for motorcycles, boats, and RVs.

Liberty Mutual:

• Liability Coverage: This is the minimum coverage required by law in most states. It covers bodily injury and property damage that you may cause to others while driving your car.
• Collision Coverage: This covers damage to your own car if you are in an accident with another vehicle or object.
• Comprehensive Coverage: This covers damage to your car caused by events such as theft, vandalism, and natural disasters.
• New Car Replacement Coverage: This coverage is available for cars that are less than a year old and have less than 15,000 miles.
• Better Car Replacement Coverage: This coverage is available for cars that are less than 10 years old and have less than 100,000 miles.
• Rental Car Coverage: This coverage provides reimbursement for a rental car if your car is being repaired due to a covered loss.
• Roadside Assistance: This provides help if you have a flat tire, run out of gas, or need a tow.
• Hybrid/Electric Vehicle Discount: This discount is available for drivers who own hybrid or electric vehicles.

Overall, both American National and Liberty Mutual offer a range of coverage options for customers to choose from, including liability, collision, comprehensive, and more. American National also offers specialty insurance for motorcycles, boats, and RVs, as well as classic car insurance

Cost of American National and Liberty Mutual

When it comes to car insurance, the cost of coverage can vary widely depending on a number of factors, including your driving record, the type of car you drive, and where you live. That being said, let’s take a closer look at the cost of insurance for American National and Liberty Mutual.

According to data from Insurify, the average cost of car insurance with American National is $1,360 per year. This is based on a profile of a 30-year-old driver with a clean driving record and a 2017 Honda Civic. Of course, your individual rates may vary depending on your specific circumstances.

According to data from Insurify, the average cost of car insurance with Liberty Mutual is $1,674 per year. This is based on the same profile of a 30-year-old driver with a clean driving record and a 2017 Honda Civic.

American National and Liberty Mutual offer a number of coverage options that can affect the overall cost of your insurance. For example, if you opt for higher limits of liability coverage or add additional coverage options such as collision or comprehensive coverage, your premiums may be higher.

To get an accurate quote for your specific needs, it’s best to contact each company directly and discuss your options with a representative.

States Where American National and Liberty Mutual Offer Services

Both American National and Liberty Mutual offer car insurance coverage in a number of states across the United States. American National and Liberty Mutual offer coverage in a wide range of states, although there are a few states where one company may offer coverage and the other does not.

American National operates in all 50 states, while Liberty Mutual operates in 50 states and the District of Columbia. It’s always best to check with each company directly to confirm whether they offer coverage in your specific state.

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Discounts Offered at American National vs Liberty Mutual

American National and Liberty Mutual offer a variety of discounts that can help customers save money on their car insurance premiums. Here’s a breakdown of the discounts offered by each company:

American National:

• Multi-car discount: If you insure more than one car with American National, you can save up to 25% on your premiums.
• Good student discount: If you’re a full-time student with good grades, you may be eligible for a discount of up to 15%.
• Defensive driving discount: If you complete an approved defensive driving course, you may be eligible for a discount of up to 10%.
• Anti-theft device discount: If you have an anti-theft device installed in your car, you may be eligible for a discount of up to 5%.
• Safe driver discount: If you have a clean driving record, you may be eligible for a discount of up to 10%.

Liberty Mutual:

• Multi-policy discount: If you bundle your car insurance with other types of insurance, such as home or renters insurance, you can save up to 20% on your premiums.
• Safety features discount: If your car is equipped with certain safety features, such as airbags, anti-lock brakes, or automatic seat belts, you may be eligible for a discount of up to 10%.
• Good student discount: If you’re a full-time student with good grades, you may be eligible for a discount of up to 35%.
• Accident-free discount: If you have a clean driving record and haven’t been in an accident for a certain number of years, you may be eligible for a discount of up to 30%.
• Multi-car discount: If you insure more than one car with Liberty Mutual, you can save up to 12% on your premiums.

It’s important to note that these discounts may vary depending on your location and other factors, and not all customers may be eligible for all discounts. It’s always best to check with each company directly to see what discounts you may be eligible for and to get a quote tailored to your specific situation.

Customer Reviews: American National vs Liberty Mutual

Here’s a summary of customer reviews for both American National and Liberty Mutual car insurance:

American National:

Overall, American National has generally positive reviews from customers. Many customers praise the company’s customer service and say that their claims were handled quickly and efficiently.

However, some customers have reported issues with communication and billing, and some have noted that premiums can be higher than other companies.

Liberty Mutual:

Like American National, Liberty Mutual has generally positive reviews from customers. Customers praise the company’s wide range of coverage options and competitive rates.

However, some customers have reported issues with claims handling and billing, and some have noted that premiums can increase significantly after accidents or other incidents.

Roundup: American National vs Liberty Mutual

In conclusion, both American National and Liberty Mutual offer a wide range of car insurance products and services to customers in various states across the United States.

While both companies have generally positive reviews from customers, they also have some areas of improvement to address. American National is known for its strong customer service and quick claims handling, but premiums may be higher than other companies.

Liberty Mutual is known for its competitive rates and range of coverage options, but some customers have reported issues with claims handling and billing.

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