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Auto Insurance

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Better Value Means Getting the Personal Touch.

Because you want the best value for your money, in some circumstances it may make sense to purchase an item over the phone, through the mail, or on your personal computer. But, not always!

Without the right insurance protection, you and your family might not be able to pay for necessary medical treatments, car repairs, legal fees, and other costs that come with being involved in an accident whether you're at fault or not!

When you choose AUTOSURE FROM ANPACSM, you get a professional agent who lives and works in your community, who understands your financial needs. Your local American National agent will meet with you personally to help you make sure your family's insurance protection has the right features for you, so that you're protected when you need it most!

Better Value Means Money Saving Features.

Automatic Rental Coverage
We decided our customers need rental car coverage automatically included in their policy at no extra charge. Most companies charge for this features.

One Deductible for Multiple Losses
ANPAC®, our Common Cause of Loss Deductible allows you to pay one deductible even if more than one item is damaged or destroyed by a single event.

Collision Waiver
If you should be involved in an accident with another car insured with ANPAC®, all or a portion of your collision deductible may be automatically waived.

Other valuable, innovative features
  • Good student discount - ANPAC® rewards students who achieve a "B" average or who are on a Dean's List or Honor Roll.
  • Passive restraints not only save lives, it may result in a discount!
  • Not having been convicted of any moving violations in the prior 36 months is rewarded by a 15% discount on specified coverages.
  • Special rates for drivers age 45 & over
  • No deductible for windshield repair

Better Value Means Superior Service.
ANPAC® is proud to be named to the 2006 Ward's 50 Benchmark Group for achieving outstanding financial results in the areas of safety, consistency and performance since 1994.

Tri-Line Coverage Discount

Choose American National for your auto, home and life and you can receive a special discount on qualifying auto and home premiums. It's our way of rewarding customers who trust American National with all three insurance needs.

Fast, Efficient Claim Service
Report claims toll-free at 1-800-333-2860 24-hours a day, seven days a week. Ninety-six percent of all ANPACR customers who responded to the closed claim survey said they would recommend ANPAC to a friend. (Source: ANPAC closed claim survey December, 2012).

Liability - Pays for damages due to bodily injury and/or property damage from a covered loss for which an insured is legally liable. This coverage includes defending you in a lawsuit, bail, bond expense, attorney fees, and medical first aid at the accident scene.

Medical Payments - Pays for reasonable and necessary medical expenses arising out of an accident up to the limit purchased per person.

Personal Injury Protection - Pays for reasonable and necessary medical expenses and lost wages arising out of a covered accident up to the limit purchased per person.

Comprehensive - Pays for loss or damage to your insured car by a covered loss other than a collision or upset. This includes but is not limited to: theft, fire, missiles, falling objects, larceny, explosion, windstorm, hail, water, vandalism or malicious mischief, riot, impact with animals, and glass breakage.

Collision - Pays for damage to your insured car resulting from a collision or upset.

Towing and Labor - Pays towing and labor costs incurred each time your insured car is disabled. Labor costs at the place of disablement are covered.

Rental Reimbursement and Travel Expense - Pays up to $25 per day rental expense while your car is being repaired due to a covered loss for up to 30 days. Higher limits are available.

If the loss occurs more than 50 miles from home, extra expenses incurred for meals, lodging, and transportation fares to return to your home or your destination are covered.

Uninsured Motorist - Pays for damages for bodily injury to an insured person caused by a motor vehicle driven by a legally liable, but uninsured or unknown (hit and run) driver.

Underinsured Motorist - This coverage applies when your bodily injury is caused by an underinsured motor vehicle, as defined in the policy.

Accidental Death, Dismemberment, Disability - Pays up to a specified amount for death, loss of limbs, loss of sight, and certain other injuries to designated person(s) resulting from a car accident.

Work Loss Coverage - Pays designated person(s) up to 85% of earnings lost because of auto accident injuries, subject to certain maximum limits shown in the policy.


All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC(R)), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

As of 9/29/09