Brown & Associates

Auto Insurance

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 ANPAC®, 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

Discounts and policy provisions may vary by state. Check with your agent about coverages available in your state and the provisions applicable.

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. Nine out of ten customers tell us, based on our claims service, they would recommend ANPAC® to someone they know.

Your discounts, benefits and rewards may also include...

• CA$HBACK From ANPAC®
• Common Cause of Loss Deductible
• Anti-theft discount
• Multi vehicle discount
• Passive restraints discount
• Ticket Free Discount
• TLC - Tri-Line Coverage™ Discount
• Preferred Automobile Customer Discount
• ANPAC Five Star Claim Service® - 24 hours a day / 7 days a week you can report claims to our toll-free number (800) 333-2860. Ninety-five percent of ANPAC customers say they would recommend us to a friend.

Optional Endorsements and Features include:

• GAP Coverage - for only $15 you're covered with $10,000 of GAP protection! Owned vehicles only (Leased GAP coverage is not available to leased motor homes, camping and travel trailers.)
• Easy Tow™- "Sign & Go" 24-hour towing and roadside assistance!
• EASY Pay - The Checkless Way™
• Vehicle Replacement Cost Endorsement
  This endorsement provides replacement without deduction for depreciation if motor home or travel trailer is destroyed during the first five years of the vehicle's life. (Not available to camping trailers.) The insured must be the original owner. The model year must be no older than two years prior to the current calendar year. The endorsement must be purchased at the time the vehicle is purchased and first insured with ANPAC®.
• Personal Effects Replacement Cost Endorsement
  This optional coverage is available for those who need additional protection for the personal contents of their Motor Home or Trailer. Replacement cost is provided without deduction for depreciation. Examples include clothing, TV's, stereos, dishes, tools, and furnishings not permanently attached and considered part of the vehicle. Limits available: $5,000 $10,000 $15,000 $20,000 $25,000. For Full Timers only, these limits are also available: $35,000, $50,000 (Higher limits are available with Underwriter approval.)

AUTOSURE FROM ANPAC® Offers a Full Line of Coverages.

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.