Country Financial car insurance review September 2018 | finder.com

Country Financial car insurance review September 2018

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This Illinois-based insurer still provides insurance for farmers, but also auto policies with plenty of add-ons.

No two auto insurance policies or providers are the same. Piecing together how much coverage you need and how much you should expect to pay for it is easier said than done.

Country Financial aims to educate you on exactly what your coverage options are and how they work. Too often, car insurance policies are loaded with jargon and murky details. Country Financial cuts through the obscurity to offer clear choices and a multitude of insurance add-ons and discounts.

Description Don’t let the name fool you — this insurer offers coverage options and add-ons to help you customize the policy you want in 19 states.
States served Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, Wisconsin
Roadside assistance Included free
Pay schedule 12 months, 6 months, custom
Claims methods online
New car protection No

Pros

  • Long-term stability
  • Flexible coverage options
  • Unique discounts

Cons

  • Limited availability
  • Hard sells financial services
Defensive driving discount Yes, up to 5%
Good student discount Yes, up to 30%
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount Yes, 15%
Special employment discount Yes, up to 10%
Usage-based discount No
Other discounts Engaged Couple Discount, up to 25% when married

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Who is Country Financial best for?

If you prefer to exercise full control with add-ons to customize your policy, Country Financial could be the provider for you. Its range of discounts can help teens, teachers and even engaged couples save on premiums.

But if you’re looking to cover a classic or antique car, you’ll need to seek coverage elsewhere: Country Financial doesn’t cover any vehicle that’s older than 20 years.

What is Country Financial?

Country Financial was founded by a group of farmers in Illinois in 1925. What began as a fire and lightning insurance company has grown to a financial service provider employing more than 5,000 people and offering insurance in 19 states:

  • Alabama
  • Alaska
  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nevada
  • North Dakota
  • Oklahoma
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

What car insurance coverage does Country Financial offer?

You’ll get your pick of standard coverage types. But Country Financial’s commitment to customization means you can adjust your deductible to meet your budget and bundle options beyond auto coverage:

  • Collision. Offers protection for damages to your vehicle after an accident at deductibles that range from $50 to $1,000.
  • Comprehensive. Covers vehicle damages in the event of theft, vandalism, hail and falling objects at deductibles that range from $0 to $1,000.
  • Uninsured motorists property damage. If you’re the victim of a hit-and-run or collide with someone who doesn’t have car insurance, this coverage kicks in to pay for damages.
  • Bodily injury coverage. Covers injuries to other parties if you’re in an accident you’re at fault for.
  • Property damage coverage. Takes care of the cost of damaged property after an at-fault collision.
  • Medical payments coverage. Pays medical bills for you or passengers for up to two years after a covered accident.
  • Personal injury protection. Compensates you for lost wages, child care and other expenses that might arise from an accident.
  • Emergency road service. Reimburses you up to $100 for towing, repair parts or labor charges for roadside assistance.
  • Safety glass coverage. Waives your comprehensive deductible to repair or replace your windshield, windows or light covers.
  • Special tenants coverage for renters. Instead of purchasing separate renters insurance, you can add coverage to your auto policy for up to $20,000 with a $250 deductible.
  • The Keeper coverage. If your car is younger than four years old, this collision and comprehensive protection pays for new car of similar make and model if yours is considered a total loss after an accident.
  • Vehicle rental and trip interruption. For accidents that occur more than 100 miles from home, get reimbursed for up to $800 of a covered loss to pay for a rental car, transportation, lodging and meals.
  • Personal effects coverage. Protects the valuables in your car for up to $800 with a $100 deductible.
  • Umbrella insurance. Extend liability coverage to $1 million or more.

Country Financial rates

Rates with any provider vary by your state of residence, your driving record and the car you intend to insure, among other factors.

Customers online say that Country Financial’s rates are fair and competitive, compared with other providers.

To get an idea of the potential rates for your specific circumstances, request a free online quote.

What discounts can I get with Country Financial?

Country Financial allows you to chip away at your premium through discounts you won’t find with all insurers. Note that not all discounts are available in each state it services, however.

  • Anti-theft discount. Save on your comprehensive coverage with an eligible alarm or antitheft device.
  • Defensive driver discount. Get a policy discount of up to 5% for completing a state-approved defensive driving course.
  • Teen driver discount. If you’re a newly licensed driver, you might get up to 10% off your premium for completing Country Financial’s Simply Drive course.
  • Good student discount. Maintain a B average or higher in high school or college, and you could be eligible for a discount of up to 25%.
  • Engaged couple discount. If you’re at least 21 and plan to tie the knot within a year, you could be eligible for a discounted rate. After you marry, save by combining policies with your spouse.
  • Multicar discount. Insure two or more cars for yet another discount.
  • Multipolicy discount. Bundle qualifying investments or policies with your car insurance to save up to 25%.
  • New vehicle discount. Insuring a new vehicle could save you up to 10% on your policy.
  • Occupation discount. K–12 teachers are eligible for a 10% discount, while firefighters, police officers, EMTs and paramedics may get up to 5%.

What’s not covered by Country Financial?

Country Financial doesn’t cover antique vehicles or cars that are 20 years or older.

Are there any coverage maximums?

The maximum amount of liability you can purchase on an auto policy is $1 million.

Pros and cons of Country Financial car insurance

Pros

  • Long-term stability. In business for nearly a century, Country Financial maintains a healthy track record of business growth that reflects its stability.
  • Flexible coverage options. Whether you’re interested in minimal coverage or a customized policy, you have a range of coverage options to select from.
  • Unique discounts. Teens, engaged couples and drivers of new cars can chip away at premiums beyond your standard discounts.

Cons

  • Limited availability. Country Financial services 19 states only.
  • Hard sells financial services. Focused on life insurance and investments, customers say that reps frequently try to sell you products beyond auto.

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What do customers say about Country Financial?

Online reviews of Country Financial suggest that rates are competitive and customer service representatives are knowledgeable and courteous.

But customers warn that filing a claim with Country Financial can be painstaking and tedious. Some say they were unsatisfied with the payout received, suggesting only a partial payout that left them feeling shortchanged. A few Redditors add that you could be asked to consider life insurance and investment products quite frequently, which can get annoying.

Country Financial itself is not an accredited with the Better Business Bureau, but it earns an A+ based on the BBB’s internal criteria. It also earns an A+ (Superior) rating from A.M. Best.

How to apply

Get a free auto quote online from Country Financial.

What info do I need to apply?

If you like Country Financial’s quote enough to sign up, you’ll need to provide:

  • Your driver’s licence.
  • Your vehicle’s make, model and VIN.
  • The number of miles on your vehicle’s odometer.
  • Your checking or savings account details.

Country Financial requires you to submit your banking information to sign up, but you aren’t required to set up autopay for your premiums. Pay for your policy online, by mail or by phone.

How can I find a Country Financial agent near me?

Go to Country Financial’s website and click Find a Rep. Enter details about where you live, and click the green magnifying glass.

If you live in one of the states Country Financial services, you’ll see an interactive map of agents near you, including business addresses and phone numbers

If you don’t live in one of the 19 states that Country Financial services, you may be referred to a partner for auto coverage.

How to make a claim

Report a car insurance claim can be stressful. Country Financial makes it easy to start your claim through your online MyCOUNTRY account or by calling dedicated claims reps at 866-268-6879.

  1. Write down your claim confirmation number, and wait for contact from the Country Financial rep assigned to your claim.
  2. Your representative walks you through the required next steps.
  3. Follow through on any next steps, which could include a car inspection and filing a police report.
  4. After you receive an estimate of damages, you can schedule repairs with an auto repair shop.

How to contact Country Financial

Pay a bill, report a claim or submit a comment, question or suggestion at any time through your online MyCOUNTRY account. To speak with a representative, call Country Financial or live chat through its site.

Download the Country Financial app to register your policy, update your billing information, pay on the go and request roadside assistance all from your phone.

country financial mobile app

Does Country Financial offer other types of insurance?

Yes. Country Financial focuses on products beyond those for your vehicle with:

  • Motorcycle insurance
  • Coverage for boats and recreational vehicles
  • Home and property insurance
  • Life insurance
  • Health insurance
  • Business insurance
  • Farm and ranch coverage
  • Crop coverage
  • Pet insurance
  • Home warranties
  • Identity theft protection

What are some alternatives to Country Financial?

If you live in a state outside of Country Financial’s services or are looking to compare your options, you’ll find many other brands that include:

  • Allstate. Allstate covers drivers nationwide, offering many of the same policies and add-ons that Country Financial does.
  • Farmers Insurance. Sharing Country Financial’s humble rural roots, Farmers covers more than 10 million households across the country.
  • Progressive. In business for more than 80 years, Progressive offers tiered rates for low-risk drivers.

Compare car insurance providers

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Country Financial provides comprehensive auto insurance options, add-ons and discounts that might save you money on customized coverage.

But if you live outside the 19 states it services, you’ll want to compare insurance providers to find the most affordable coverage you’re eligible for.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about Country Financial

Roslyn McKenna

Roslyn McKenna is an assistant publisher for car insurance at finder.com. With a love of everything nerdy, Roslyn puts her passion for writing to good use by empowering our readers to get what they want from their money. Her goal is to help people get a great deal on car insurance so they can enjoy the ride.

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