Rewards & Discounts

We appreciate your business and want to reward you with a little TLC. Get Tender Loving Care from American National when you choose our Tri-Line Coverage. Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.

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The Rewards Are Yours With an Excellent Claims-Free Record. Our CA$HBACK From ANPAC^® program rewards you by refunding a portion of your combined auto and homeowner premiums. Simply remain CLAIM-FREE for three consecutive years, on both your auto and homeowner policies, and you'll receive a check for 25% of your combined FIRST-YEAR PREMIUMS!

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Now there's an easier way to pay your insurance premiums. ANPAC^® offers you the option of paying your auto and home premiums automatically each month from your checking or savings account. And, there is no ANPAC^® service charge if you choose this option.

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Benefits Xpress works to help you discover a secure financial future while you work. Employees now have the opportunity to coordinate their home, auto, life insurance and related needs with only one professional agent. Employers can make this possible by participating in American National's new and exciting Benefits Xpress Employee Services^SM. It's a convenient, time-saving service employees appreciate and without any added costs for employers.

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Common Cause of Loss Deductible
With an uncommon insurance company like ANPAC^®, you can depend on our unique Common Cause of Loss Deductible. It saves our clients hundreds of dollars in deductibles from a common occurrence, such as a fire, hailstorm, tornado or hurricane. With this unique money-saving feature, you pay only one deductible per occurrence regardless of the number of items of property damaged or destroyed.

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Guaranteed Asset Protection (GAP) Coverage
There's a GAP in your vehicle insurance that could cost you thousands. This is a relatively new phenomenon and is actually caused by fierce competition. With more offers of low-down or no-down payments when buying or leasing a vehicle, you have little or no initial equity in the vehicle. After the vehicle is purchased, the value decreases substantially. Unfortunately, the vehicle's value may be less than what you owe on your loan. Hence the "gap."

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Motorcycle Rider Discount
Clients who are a member of one of the following organizations (see list) will receive a discount on Bodily Injury Liability, Property Damage Liability, Medical Payments, and Collision coverage premiums.

New Parent Discount
Clients who have young families can receive 5% off the primary driver's premium when the youngest child in household is age 2 or younger. And, they can get 3% off the primary driver's premium when that child is age 3 through 4. (Discount applies to youngest child only.)

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Other Discounts and Services

We also offer the following discounts and services:

Preferred Automobile Customer (PAC) Discount: Being continuously insured is rewarded. Three - five years receives a 10-25% discount, AND, 6 or more years receives 15-25% discount. In addition to the discounts available with PAC, financially responsible insureds can receive even more benefits with up to 36% of additional discounts available.
Ticket-Free Discount: Not having been convicted of any moving violations in the prior 36 months is rewarded by a 15% discount on specified coverages.
Comprehensive Claim Free Discount: Not having a comprehensive coverage claim in the prior 3-5 years is rewarded by a 15% discount while 6 or more years is worth a 30% discount.
Good Student Discount
UL Roof Discount - Minimize damage to your home by installing Underwriters Lab rated (UL 2218) roofing material. To receive these ratings, products must undergo laboratory testing that simulates hailstones falling at peak velocity. Over 100 manufacturers now offer UL rated roofing materials for you to choose from. Check with your local contractor to find out which products are available in your area. The discount that ANPAC offers on these roofing systems varies with the level of the rating and by state. Contact your local American National agent for more details.
Red Light Cameras Save Lives, lower rates - ANPAC® has reduced rates in select cities where red light cameras are installed.

Copyright 2007, American National Insurance Company and American National Property And Casualty Company. All Rights Reserved. No part of this website may be duplicated without written permission from American National Corporate Compliance.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. American National Property And Casualty Company reserves the right to discontinue programs at any time.

Products and services may not be available in all states and eligibility requirements will apply. Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten in American National Property and Casualty Company (ANPAC®), 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 (Texas residents); American National County Mutual Insurance Company (serviced by ANPAC). Life insurance products are issued through American National Insurance Company, Galveston, Texas.

Products and services referenced in this website 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.

Securities products and services are offered through:
Securities Management and Research, Inc. (SM&R), Member FINRA , SIPC, a broker-dealer subsidiary of American National Insurance Company.