American National
This American National review will cover American National ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The American National A.M. Best rating is A, and the American National S&P Rating is A. To compare insurance rates from the best companies in your locale, enter your ZIP code below.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Nov 19, 2011
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The American National Family of Companies (also known as American National Insurance) has been in business for over 100 years. The company was founded in Galveston, Texas in 1905 by William L. Moody, Junior. Over the last century, American National expanded to include various types of insurance, all designed so that employers can offer their employees the affordable insurance products.
American National Insurance has a number of offices located throughout the United States, although their headquarters are still located in Galveston. They are licensed to operate in the entire United States, including Washington D.C., American Samoa and Puerto Rico. The company provides the following types of insurance to businesses of all sizes:
- Health Insurance
- Credit Insurance
- Annuities
- Life Insurance
- Property and Casualty Insurance
Discounts on insurance policies may be available, although it depends on the type of policies and volume of policies purchased. In order to obtain more information on them, an American National Insurance agent must be contacted.
At this time, only certain types of life insurance policies can be purchased online directly through the American National Insurance website. All others must be purchased through an agent or from the specific American National Family of Companies partner that offers it.
Worst insurance company ever
American National: They led me in on how they were going to save me money, lower cost, but then changed the cost of my insurance premium four times with out my knowledge. At the end of six months I owed more than I sighed up for. TRIED to contact [REDACTED NAME] in St George, Utah, but he made his secretary tell me to contact billing. Which I did. They helped me identify the changes in my auto policy. The original agent who sold me the policy, Niels Farnsworth is no longer with the company. They don’t care. I have tried to dispute the policy changes, only to be sent to Tiffin Teagarden in collections. Now I’m being hounded by American National collection agency. Sounds like National’s American way.
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Horrible!
We purchased a life insurance policy for my mother and have paid a quarter of a million dollars in premiums. She turned 95! now the policy has matured and all that we’re entitled to is $4,300 as a surrender value!
This should be illegal but we’ve been told there’s nothing we can do!
PLEASE DO NOT LET THEM CHEAT YOU!!!!!! They deserve NO stars!!!!!!!!!
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Terrible customer service
Review specific to Brian Nelson’s office in Sioux Falls, SD. The worst customer service ever experienced…didn’t notify when rates were increasing, couldn’t answer questions, didn’t return phone calls or emails and very incompetent. Very disappointed. Made switch to another insurance company and finding out what true customer service is all about and people who know what they are doing!!
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Poor Customer Service
My daughter’s parked car was hit by a drunk driver on Thanksgiving Day. The car is totaled. Six days later they are telling us that they need to confirm our coverage and they still can’t give us a rental car. She goes to school and works and is without a car….We have been with them for almost 5 years with no claims. Now I have an upset daughter and no car. We will be looking for other options at this point.
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Drop you after a claim
I had a claim and 4 months later i get dropped. They came up with a reason that i’m a seaonal resident. I guess if you take a three vaction you are considered seasonal. The worst part is the agent told me i would be covered and now you can’t get ahold of her .
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Stonewalling Surrender of Policy
It has become painfully apparent that the Tucson office has been doing everything to prevent the processing of our claim. This process has been going on for 3 months and counting. We continually have to call them on the status, and we get excuses like missing email or unreadable fax etc. that the surrender process must be started from the beginning. We had to got to the corporate office to get any traction on this. Stay Away from these clowns. We are filling a complaint with the Arizona Board of Insurance.
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Great comapny very Helpful
I’ve did some shopping around and American National came out to be the most affordable and had a great agent help explain all my options
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worthless!!
my daughters vehicle was stolen and wrecked. i have full coverage but amer. natl. made me pay the towing and storage bill!!! get your car insurance somewhere else folks!!!!!!!!!!!!!!!!!!!!!!!!!
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Hard to communicate with
American National is the company that was selected by my erenter insurance to process my claims. They were slow responding to emails or did not respond to my concerns. I had an ebike stolen and they did not cover it because it was a motor vehicle. They do not have a definition in their policy.
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Delighted with the cash back rewards
Customer service is excellent and I didn’t realize there was a rewards program. What a nice surprise to get that check. Outstanding!
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I have 3 different claims
I got into a wreck and it wasn’t my fault and they wanted me to pay the deductible. As an insurance company shouldn’t you contact the other insurance company to figure out what’s going on. But instead I had to do all the work. I have to call the other vehicle insurer to see if they gonna pay for the damages and they say no because there client vehicle wasn’t at fault it was a hit and run bs lies. So I told American nationals and they wanted me to just pay the deductible. I don’t wanna pay nothing if it wasn’t my fault. Then I got another claim for my vehicle being damage by someone, too them forever just to get that car done. & they said they came and look at the car but they didn’t bc I was out of town that day and the car was a totaled loss for what idk it’s still drivable. Then I have the worse of luck ever the past two months I have another claim bc my apartment got broken into and I sent them pictures , police report and everything and still haven’t heard back. They told me they gonna be doing an investigation because it three different claims thinking it’s a fraud I’m like I have police report why would I even put myself in that situation? There’s no fraud things happen and I happened to have the worse of luck. After I finished out this 6 months I’m looking for else where. The worse customer service ever. And only one person each of the department works on it but half of them don’t even answer or be in their office. My last insurance company when I got in a small wreck wasn’t my fault they did everything and got a check in the mail 2 weeks later.
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Great agent and service. Claim handled easily and
Great agent who has always been there when I needed him. Fast, efficient claim service as well. They handled it direct with the repair company
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Claims are poorly serviced
Agent pretty nice guy selling insurance. After over 20 years with them whenever I have had a small claim it is serviced by ANPAC as I was gun on the bottom of their shoe. All nice as you pay but can not get even fair help when needed.
One completely disgusted with you long term customer. Shame on your poor service.
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Would do more research before choosing this busine
I would suggest if you are looking for insurance weather its life or any other type they offer, please do yourself a favor a research some more before signing up for this one, they will try to cheat you out of the policy without giving you full notice , they lapse you out of the policy without letting you know, customer service is the worst of all, I could go on as on but my list would be endless, so please look elsewhere before signing up wth American National Insurance
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Terrible company ,very shady
I had my truck stole and home broken into at the same time .They also broken in other buildings on my property . I am a 71 yr old Vet and live alone . This was a very traumatic experience for me ,far worst than someone dying .American National was horrible to deal with , and customer service is like dealing with a zombie.I wouldn’t refer them to my worst enemy . When it comes to paying they don “˜t cover much of anything . I have always had good cover but without my knowledge the agent short changed me on coverage and deductible in order to sale . It was like I had no insurance but I sure paid for it . Now I am paying again in lose , really paying . I have PTSD and this has almost cause me to consider doing some horrible things . Thanks too my doctor I didn’t but this company should not have a license to sale insurance to cause such stress to people .
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a rip off life policy company.
my sister had a life policy value at $3,000. paid almost $7,000 with no cash value. was not a paid up policy. cashed policy in, only got a check for, $1,185.00 dollars. this is a rip off. american national, cheating their customers out of their money.
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I filed a claim the service was TERRIBLE!
I have a claim w/ the company for water damage. ANI has not paid one of the vendors who worked on the project and now the vendor is coming after me for more than $5,000.+. The agent is not returning calls and the supervisors are unreachable. Service is TERRIBLE!!!!! AMI just bought out the company I was w/ for over 20 years. I had claims w/ them and everything went well. This claim has been an adventure”.
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Make sure you know what you are buying in homeowne
Make sure your agent explains your homeowners policy ,when you buy it. I had a breakin in my house and garage . They stole everything , from my first truck too everything in my house and garage worth anything . I have PTSD and this put me into a total withdrawal . You have serious trouble dealing with anything like this, when you have PTSD .I have lived in my house since 1976 . I have never had a problems with people stealing anything until now. It was so difficult for me to even call American National to make a claim . When I called , they put me through the ringer with all I needed to do to complete a claim .They were so difficult , that I went ito totally depression and withdrawal . I couldn’t complete the paper work so American National refused payment and dropped my claim . This is a big money loss but I would rather loss it all , than deal with American Nationals claims Dept. . I get totally sick when dealing with them . They are NOT VETTERAN ORIENT ,so Veterans do not deal with these people . .Customer service is horrible . I wasn’t aware I had a time restriction on filing a claim . I became petrified and couldn’t deal with all their crap so this company dropped my claim and refused payment . I would rather pay a lot more money and feel at easy dealing with the company .
American Nationals slogan should be ” YOU PAY BUT WE DON’T AND WONT ” .S
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Buyer Beware!
This review goes for life, home and auto insurance, because I’ve had all three through ANICO/ANPAC. Dealing with them for claims is a nightmare. They continually disrespect the customer; leaving the agent to deal with the fall out.
Here are some examples of the features” (LOL) of ANPAC/ANICO insurance.
Available representatives are R-U-D-E and almost never have a clue
Anyone that might have a clue is never available
Phone answering trees seem useless and waste time
Completing a phone answering tree is likely to result in leaving a voice mail they rarely call back
Expect to be on hold FOREVER
Stated items conveniently left off (“overlooked”) the claim
Customers N-E-V-E-R qualify for the lowest auto rate even if they have an 800+ credit score. I was told by an ANPAC actuary a perfect credit score is required, which – is theoretically impossible!
If your vehicle is vandalized, each instance of vandalism (mark) is considered a separate occurrence, a separate claim must be filed for each occurrence, the stated deductible applies for each claim. This effectively denies coverage for the damage.
Licensed & insured home contractors were always over the limit set by the adjuster – unless the contractor was a “recommended” contractor. I was told a repairman who DID NOT have liability insurance, would probably be less expensive.
Non-OEM parts (or cheapest available) are mandatory on vehicle claims, unless a rider is purchased stating OEM parts may be used. OEM parts must be specified BEFORE the quote. After-market items are not covered unless a rider is purchased. I only found out about this after my claim.
Anyone considering this company should RUN as fast as possible from this rip-off insurance company. It Is all smiles and roses when they are in “selling” mode, but it is nothing but slaps-to-the-face or kicks-to-the-groin when they are in “pay-out” mode. Buyer beware!”
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Home and Auto insurance
I was a customer of American National Insurance company for seventeen years and feel like I stayed way to long with this company. I have filed three claims in seventeen years and was not happy with any of them. Poor customer service and on my last claim they didn’t even bother to send anyone out to investigate. STAY AWAY from this company because all they know how to say is Denied. I wasted my money and time staying with them.
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Home and Auto insurance
I was a customer of American National Insurance company for seventeen years and feel like I stayed way to long with this company. I have filed three claims in seventeen years and was not happy with any of them. Poor customer service and on my last claim they didn’t even bother to send anyone out to investigate. STAY AWAY from this company because all they know how to say is Denied. I wasted my money and time staying with them.
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Insurance adjaster is a lier and unprofessional
Insurance didn’t want to pay in advance $3000+ for the carpet installment and had to cancel the installation because didn’t have money to pay for the service. Also insurance adjuster was extremely rude and didn’t answered my emails and ignored my messages.
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So annoyed
I have never been with an insurance agency that has made me so frustrated. I was in a wreck 2 months ago, and things are still not completely resolved by American National. The requests that they make for me to do on my own should be things that they are fully capable of. I don’t have time to get their own work done considering I have a job of my own. I have never been so angry and stressed over auto insurance. Isn’t this why I pay them? So they can take care of matters on my behalf? Also not to mention that very useful information they should have told me from the beginning, I was left to find out on my own when I went to the license bureau. I’m dumbfounded by their incompetence and will be going elsewhere.
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Customer service is very bad,
I’m currently having problem with customer service, with them not being truthful.
Having problems with my cash surrender.
But they make sure they getting their payments on time.
I will not recommend no one to get life insurance from them.
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Coverage
Worst mistake I ever made going with this company. Seventeen years of wasted time and money. These guys don’t cover SH**. Well thanks for nothing. You have helped me in my decision to finally do what I should have done years ago.
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have a claim good luck they are a joke
had claim 4-27-2017 closed claim out without my knowing.10-30-17. open claim back up but will not return calls for weeks. had to threaten to call ins commission in my state plus file with bbb. they owe me thousands of dollars plus they will lie and try to confuse you. find another co. or youll be sick.
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have a claim good luck they are a joke
had claim 4-27-2017 closed claim out without my knowing.10-30-17. open claim back up but will not return calls for weeks. had to threaten to call ins commission in my state plus file with bbb. they owe me thousands of dollars plus they will lie and try to confuse you. find another co. or youll be sick.
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Poor customer service.
I have found American National to be unpleasant to deal with. The latest problem, they added my unlicensed teen daughter as a principal driver to my policy without my knowledge. Overall I’ve experienced very poor customer service as of the past several years. It’s definitely time to change companies.
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Unsatisfied
Customer service is not the best. A claim was filed against us and we didn’t find out until almost a year after the fact. It was a 50/50 fault claim that we disputed. Little were we informed that it would be required of us to get hit with that claim. We paid out of pocket for our damage thinking our voices were heard. Had we known we were going to get hit with this, we would have filed the claim against the other party involved. Terrible customer service and client representation from my perspective!!! We will be switching insurance companies.
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Horrible
I tried to get a quote from one of the reps. She asks if I’m looking to purchase insurance today. I tell her I can this Friday. As soon as she hears I’m not buying today, she simply hangs up on me. If that’s how you conduct business, I don’t want anything to do with your company. Screw her and screw that company.
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Terrible !!!!
Honestly had the worst service with this company! I’ve been car-less for two months now and have yet to been helps or anyone done anything! I’m actually not insured with this company and thankful for that! But there person who’s him me who’s is insured with them have not been doing anything about this! I’m very disappointed in they help I have been getting with this company which is none!!! Would never suggest anyone to get this insurance!
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sketchy company
Poor cost vs benefit. When time to pay difficult to wrk with. Would not recommend this company. Go with Mutual instead! Much better value and service
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Very Sketchy!
My mom has been paying on this life insurance policy for years. Now that we are looking into all her paperwork, we are finding that this company is very outdated with no online reliable service and people still coming door to door to collect payments and handwriting monthly payments. Just awful to understand and they should be ashamed of themselves.
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Awful and Difficult
They did not pay when I was at fault so I got sued and they would not help me with suit.
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Horrible!
This company will lie to you when buying into a policy. They are always trying to sell life insurance or they get fired. Their workers are dishonest and only back up the company. They have stolen plenty of money from people I know. They should be ashamed of themselves. We the consumers need to put this company out of business!
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Great Company
Been with the company for 1 and half years and I have to say my experience was amazing with regards to handling claims. To make a long story short, they had me back to 100% right away. More than pleased.
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Very happy!
I been a client of American National for over 10 years and am very happy. We’ve had a few claims and they’ve always taken care of us. The rates are great and they offer checks back for staying claim free. My agent’s office is nice to work with!
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Dissatified
Been a customers for over 30 yrs and when you need repairs it’s a struggle to get them and you have to fight the whole time. Rates keep going up every years. We wouldn’t recommend them. Look somewhere else!
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Good cost, poor quality
You get what you pay for. I would not make the mistake of going with American National again. I have left them for another carrier due to poor claim handling.
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Shop around, bad customer service
My mother who is 88 years old has five life insurance polices from American National. The last two years I have been trying to get her personal affairs in order. Communication with American National has been a nightmare. Voice mail hell greets you and takes several attempts to talk to correct person, when you do they are rude. Customer service is very poor.
Would not recommend this company.
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Great and fast customer service
The customer service personnel are friendly, knowledgeable and great to work with. Our claim was processed in a timely manner, and we were treated as valued customers. They are awesome.
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Conservation Department is terrible
Recently scheduled to transfer my Palladium Multi-Year Guarantee Annuity to another investment company. Received a letter from the Conservation Department with a name and number to call in the hopes of keeping me a customer. I was actually thinking of staying with American National, however, I left three messages with the agent requesting a call back but never did receive one. If that’s what customer service is like when they want to encourage you to stay a customer, you have to ask yourself what will it be like if you have an issue or claim? I have a low tolerance for that kind of service. Too many competitors out there for me to put up with that level of service. As you can imagine, that pretty much sealed my decision to make the change. All the agent had to do was return one of my three phone calls.
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I'm happy with it.
Can’t complain with the insurance, me and my wife have had it for forty years.
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With it till the end.
Have had this insurance for quite a few years and hopefully, my wife and me will have it till we live this world.
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fair
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Speedy Payment
When my husband died, they worked with the funeral home and payment was fast and they paid the funeral costs from the check so I did not have to write that check. It made a hard time easier for me.
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moving
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Shabby and Sketchy
I have held an American National life insurance policy for years. Their web site is like something from the very earliest days of the internet. It’s horrible to navigate and paying your bill online is virtually impossible. It never recognizes my username and password and the policy number ON MY DOCUMENTATION from American National is NEVER recognized on their site. So I called several times to pay my premium and couldn’t hold any longer on all calls (held for more than 30 minutes on each). Finally MAILED a check still in good time. Took them WEEKS to cash the check but finally they did. Then they sent me a letter telling me that my insurance was canceled pending reinstatement. I called again hoping to reinstate over the phone and held for 47 minutes. When I finally got through I was told reinstatement couldn’t be done over the phone but once they received my forms I should (hopefully) be reinstated within a MONTH. Thanks for NOTHING. They should get their money back from their web designer except he/she probably got paid in 1994 for their work and no updates have been done since then.
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good company
homeowner rate increased by 32% for 2015 renewal
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Cancellation
They’ve been awesome, but we received a cancellation notice due to us living in the mountains with lots of trees. We rec’d the notice on 1/22 with a cancellation date of 3/13. Not much time to mitigate land in the area. Agent located in Co Spgs; guess she doesn’t know it snows here in the winder time. Hard to mitigate very large trees in deep snow. Pretty ticked off.
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Checking The Compation
Looking for something better. The insurance went up
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ANICODirect.com
Growing up in Texas, American National was THE insurance company. I wanted to buy a life insurance policy online without an exam and had no idea about ANICODirect.com. I did a ton of searching and I think they may be the only carrier to sell life insurance completely online without having to talk to a broker (don’t let any of the search ads fool you because you’ll just have agents calling you.) It was as quick and easy buying shoes online.
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Great Company
The company has a great rate and is easy to talk to.
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customer
great price-rep was great-the policy was set up and sent to me in place quickly with no problems. I continue holding a policy with this company.
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Overall Experience with American National
Agents are helpful, and I think the rates are reasonable.
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andrea
American National is a first rate insurance company. When you have a claim they are very easy to work with and quick to settle with you. My home at the moment is with them but the cost of their insurance has gone up dramatically. Just checking for more affordable insurance.
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AMERICAN NATIONAL GAVE US FAR BETTER COVERAGE AND WITH LESS COST. THEY DO NOT HAVE OFFICES IN NORTH CAROLINA
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ANICO Sucks!
This company is arguably the worst to do business with. They’re either under staffed or they just don’t care. Go elsewhere for competitive rates and better service.
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compare price
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ANPAC
Premium cost is getting to high, and coverages have reduced
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Big Premium Increase
I have been with this company for about 11 years and never had to file a claim. My renewal just came in the mail, however, and they are raising my rates by $200. The agent has been good to work with, but it looks like it is time to look at other options.
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