C L Brown & Associates insurance services in the des moines iowa area -discounts- mutiple policy, safe driver, college student, motorcycle rider, claim-free, ticket free discounts

Cher Layne Brown Insurance Des Moines IA

Discounts/Rewards Menu

Discounts and Rewards

Discounts

Rewards

TLC Tri-Line CoverageDiscount From ANPACSM

American National appreciates your business and we want to reward you with a little TLC.

TLC stands for Tri-Line Coverage. Choose American National for your auto, home and life insurance, and you can receive up to a 15% TLC Discount on your qualifying auto and home coverages.

Your premium savings is simply our way of rewarding you for trusting us with your three most important insurance needs:

Auto
American National Property And Casualty Company (ANPAC®) offers you quality auto insurance and money-saving auto discounts.

You may qualify for auto-related discounts and rewards including: Preferred Automobile Customer Plus (PAC+), Claim Free, Multi-car, Good Student and CA$HBACK FROM ANPAC®.

Home
Come home to American National. ANPAC® can provide you with a flexible plan to fit your specific needs and budget. We offer you financial protection for what is probably your biggest investment - your home. CA$HBACK FROM ANPAC® also applies to homeowner insurance.

Life
American National Insurance Company brings you peace of mind with a common sense plan of permanent life insurance. We adapt to your needs with options such as retirement funding, college education funding and income continuation needs of the loved ones you leave behind. Don't overlook this extremely important coverage in your financial protection plan.

PAC+ (Preferred Automobile Customer Plus) Discount

Being continuously insured is rewarded. Three or more years receives a up to a 25% discount. Financially responsible insureds can receive even more benefits with up to 36% of additional discounts available.

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.)

Motorcycle Rider Discount

Group discounts are available to members of the groups listed here. Simply present your membership card to your agent to receive your discount!

Comprehensive Claim Free Discount

Not having a comprehensive coverage claim in the prior 3-5 years is rewarded by a 15% discount, while six or more years is worth a 30% discount.

Good Student Discount

ANPAC® rewards students who achieve a "B" average or who are on a Dean's List or Honor Roll.

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 us for more details.

Rewards

CA$HBACK FROM ANPAC^®

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

Easy Pay - The Checkless Way^®

Paying your insurance premiums is easier than ever using our Easy Pay - The Checkless Way® option. By authorizing us to withdraw your insurance payment each month from your checking or savings account, you no longer need to worry about writing checks or mailing your payment on time. .....Read More

GAP Coverage

There's a gap in your vehicle insurance that could cost you thousands. What causes the gap? It is caused by fierce competition. With more offers of low- 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.".....Read More

Common Cause of Loss Deductible

With an uncommon insurance company like ANPAC^®, you can depend on our unique Common Cause of Loss Deductible that saves each of our customers 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. .....Read More

Representing


American National Insurance Company, Galveston, TX	American National Property And Casualty Company, (ANPAC^®) Springfield, MO

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site 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.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by 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 and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.