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Discounts and Rewards

Get rewarded for your smart decisions

Get rewarded for your smart decisions

You know it’s about more than the quickest quote or cheapest price when it comes to protecting what matters most to you. That’s why American National is your smart thinking, rewarded.

Three Line Discount

When you purchase a term or permanent life insurance policy in addition to your home and auto policies, American National will give you a Three Line Discount. No hoops to jump through, just up to 10% off your auto and home annual premiums.


Worry less about your insurance coverage while adding time to your schedule and money back into your wallet with the American National Cashback SM reward program. (Not available in all states.)

Simply insure your auto and home with American National and remain claim free for three consecutive years and you’ll get 25 percent of your eligible auto and home premiums back in cash. Best of all, your reward continues every year you don’t have a claim. American National has proudly rewarded our policyholders more than $500 million since the program began. Of course money is always good, but the benefits don’t end there. The more policies you have through American National, the less time you have to spend shopping for insurance and making sense of all the options. Coordinate all your policies through one American National agent and you’ll save worry knowing that you have someone you can trust to help you get back on your feet if a loss does happen.


You’ll enjoy quality auto insurance and convenient claims service. American National offers a variety of deductibles and options, including car rental coverage, roadside assistance, collision waivers and even customized equipment coverage, as well as discounts and reward programs. And now you can benefit even more from protecting your family with the right insurance. Get up to 10% of your annual auto and home premiums when you purchase a term or permanent life insurance policy from American National. It’s your smart thinking, a Three Line Discount and the coverage you need with one dedicated American National agent.


You’ll get financial protection for what is probably your biggest investment – your home. American National can provide an array of exceptional options, including contents replacement that covers belongings at replacement cost, home systems breakdown coverage, service line coverage and even cash back rewards.


You’ll gain peace of mind with a common sense approach using term or permanent life insurance. American National can help you prepare for retirement, mortgage protection, college education and income continuation.

Fresh Start Discount®

Don't wait until you have an auto claim. If you're not happy with your auto insurance company, now is the perfect time to make a change and get a discount.

If you apply for American National coverage before your current auto policy expires, you may qualify for our Fresh Start Discount®. The Fresh Start Discount applies to your first auto policy term. We want to reward you for doing your research, planning ahead and entrusting us with your vehicle coverage needs. If you currently insure a classic car, you might already be familiar with our outstanding collector car insurance for classic vehicles. The Fresh Start Discount can also be applied to these specialized policies. Isn't it time for a Fresh Start?