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The Rewards Are Yours With an Excellent Claims-Free Record

Our CashbackSM program rewards you by refunding a portion of your combined auto and homeowner premiums. Simply remain claim-free for three consecutive years from your Cashback anniversary date, on both your auto and homeowner policies, and you'll receive a check for 25% of your combined first-year premiums!

How Can We Refund 25% of your Premiums?

It costs us more to write "new" business than to keep a good policyholder like you. Therefore, the longer we keep you as a satisfied customer, the better for our company...and for you. We spend less and so do you!

How to get Cashback

The Key Is To Be Safety Conscious

And, as long as you stay claim-free, you continue to save by being an American National policyholder.

Because you're part of a very conscientious group of people who take pride in their property, drive defensively, and recognize the importance of keeping claim costs down, you allow us to keep your premiums down.

Add all these factors together, and it's easy to see how we can afford to pay you for being a good policyholder. The CashbackSM program is our way of giving good policyholders the premium break you deserve.

HOWEVER, if you should have a loss, rest assured that American National will be there when you need us! In fact, the majority of our customers rate our claims service as excellent - the highest category!

 

Compare us to the competition. Insurance companies offer many of the same discounts but what about rewards?

Let's say that for the last three years, John has purchased insurance coverage from the same company for both his auto and home. His annual home premium is $1,500, and his auto premium is another $1,500 per year. John remains claim-free for all three years.

How would he be rewarded by the following companies?

COMPANY REWARD PROGRAM HOW IT WORKS REAL REWARD
AMERICAN NATIONAL CASHBACKSM
  • Maintain eligible auto and home policy
  • Remain claim-free for three consecutive years
  • 25% of combined auto and home premiums rewarded every year
$750 CASH
PLUS, we will continue to send you cash every year you remain claim-free. You decide how to spend it!
ALLSTATE CLAIM-FREE BONUS
  • Home Only
  • Up to 5% back
  • Applied to your next homeowner renewal
$75 APPLIED CREDIT
5% each policy period you remain claim-free
NATIONWIDE VANISHING DEDUCTIBLE
  • Auto Only
  • Reduces your deductible by $100 each year, maximum of $500
$0 CASH
$300 credit toward your deductible if you have a claim
THE HARTFORD DISAPPEARING DEDUCTIBLE
  • Auto Only
  • Remain claim-free for three years
  • Reduces your collision deductible each year until it reaches $0.
$0 CASH
$50 credit toward your collision deductible if you have a claim
STATE FARM NONE -------------- $0 CASH
GEICO NONE -------------- $0 CASH
Reward amounts assume premiums have not fluctuated over the three-year period. Example is for illustrative purposes only and is not intended to be a comprehensive list of all available programs.

Want an immediate discount?

We are proud to introduce a new facet to our CashbackSM rewards program, Pathway to CashbackSM, which provides you with more immediate discounts on your auto premiums when you insure both your home and auto(s) with American National.

Pathways

The Auto-Home discount may automatically apply and the amount of discount will vary and may decrease based on the length of time that both your automobile and homeowners policies have been insured with American National Property and Casualty Company. Other qualifications or requirements may impact the application of this discount.

*Homeowner premiums used to calculate a CashbackSM reward do not include earthquake, equipment breakdown, and Secure I.D. From ANPACSM endorsement premiums.
***Claim-Free means no paid claims of any type, other than automobile towing and labor claims, homeowner earthquake, equipment breakdown and/or stolen identity claims.
Three consecutive years from your policy anniversary date.