What You Should Know About Country Financial Auto Insurance in 2024

Locating affordable insurance, reviewing quotes, and qualifying for a policy is confusing. Luckily, we simplify the insurance process by providing multiple quotes in one place.

Founded in 1925, Country Financial provides insurance services in 19 states, including Arizona, Georgia, and Illinois. Country sells insurance through independent agents, or you can purchase a policy by contacting the company directly. The company is headquartered in Bloomington, Illinois.

This review provides information on Country Financial’s basic auto insurance and its supplemental coverage options. Also covered are insurance discounts, customer service ratings, and how to submit a claim.

Country Financial Auto Insurance

Country Financial is a collection of individual companies that provide financial services and insurance products. Country is made up of Country Trust Bank, Country Life Insurance Company, Country Mutual Insurance Company, and Country Capital Management. Until the early 2000s, the company went by Country Companies, and it is often still referred to by that name.

Country provides car insurance to drivers in 19 states. The coverage it offers meets the basic requirements set by all these states. Country Financials’ standard auto policy comes with the following protection:

• Bodily injury liability: Covers the medical bills of the other parties involved in the crash
• Property damage liability: Pays for the damage you cause to the person’s vehicle
• Uninsured/underinsured motorist coverage: Covers the medical bills for you and your passengers. Underinsured coverage helps fill in the gaps if the other party carries insufficient insurance.
• Medical payments/personal injury protection: Pays your medical bills for injuries you sustain in a covered crash
• Comprehensive: Covers non-crash incidents such as vandalism, theft, or weather damage
• Collision: Pays to repair your car if you are in an accident

Depending on your policy limits and state, your deductible may range from $0 to $5,000. The deductible is the amount you pay out-of-pocket before your insurance benefits cover any expenses.

Supplemental Coverage Options

Country allows drivers to customize their policies if they want extra protection. Depending on your state, the following add-on options may be available:

• Keeper protection: This feature provides coverage if you total your new car soon after purchase. While you will need to pay a deductible, Country will pay to replace your vehicle if it is less than four model years old.
• Roadside assistance: This feature allows you to call for help 24 hours a day, seven days a week. Country provides up to $100 of towing, fuel, or repair services.
• Rental vehicle coverage: Country will pay for a rental car if you cannot drive your vehicle because of a covered event. The limit for this feature is $800 in most locations.
• Personal effects coverage: This feature provides coverage if valuable items are stolen from your vehicle. The limit for reimbursement is $800 in most states. 
• GAP insurance: GAP insurance helps pay off your car loan if your vehicle is totaled and you still owe a significant amount.

Additionally, policyholders can add safety glass coverage to any policy. You don’t have to pay your comprehensive deductible to replace your windshield if you have this feature.

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What car insurance discounts are available with Country Financial?

Car insurance discounts can help you reduce the cost of car insurance by hundreds of dollars in rewarding you for good driving and bundling multiple policies. Many people rely on these discounts to keep monthly payments reasonable. Country offers the following discounts:

• Multi-vehicle discount: Save on your rates by adding two or more vehicles to the same policy.
• Anti-theft device discount: Cars equipped with safety features like an alarm system save on comprehensive coverage.
• Good driver discount: Student drivers who maintain at least a 3.0 grade point average are eligible to receive 25% off their rates. Compared to other insurance companies, this is a significant discount.
• Engaged couple discount: You may be eligible for a discount If you are over 21 and plan to marry within 12 months.
• Driving course discount: Drivers who complete a state-approved defensive driver course can get a 5% discount on their rates.
• Occupation discount: Drivers employed by certain companies can save on their monthly rates. Teachers can save up to 10%, and emergency first responders save up to 5%.
• New car discount:  Policyholders who purchase a car that is less than a year old can save up to 10% on their monthly rates.

Country Financial also offers a Simply Drive safety course for teen drivers. Teens who complete this course are eligible for a 10% discount. Additional discounts are available to drivers over the age of 55.

What states does Country Financial offer coverage in?

Country currently provides auto coverage to drivers in 19 states, including:

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

 

Country offers renters insurance in 18 states and life insurance in all 50 states and the District of Columbia. Make sure you check your state’s eligibility before purchasing a policy.

Each state sets its own minimum insurance requirements for drivers. Some states require only basic coverage, while others require more protection. It is not the responsibility of your insurance company to research these regulations. Make sure your policy is compliant with your state’s laws.

How To File a Country Financial Insurance Claim

Customer service is an essential factor during the car insurance claims process. Country ranks higher than many insurance companies when it comes to customer service. It was rated highly by J.D. Power in the 2020 customer satisfaction survey. Country Financial ranked better than average in numerous categories, including product offerings and the speed of the claims process.

Country’s claims process is relatively simple compared to large national insurance companies. Country policyholders can file a claim via the following channels:

• Via an online account
• On the mobile application
• Over the phone

A claims representative will contact you after you submit your claim. Your rep will walk you through the claim process and will decide how much money you receive. Provide your representative with the following details to help support your claim:

• Contact information for other parties involved in the accident
• Details of the crash including time of day, damage, and weather conditions
• Pictures of your car’s damage and the accident scene
• Contact information for law enforcement

Some people who have sustained severe injuries after an auto accident choose to have an attorney file a claim on their behalf. While this step may seem unnecessary for minor fender benders, it is a good idea if you are seeking a lot of compensation.

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Does Country Financial offer other types of insurance?

Country Financial offers a range of other insurance products and financial services, including investments, annuities, and financial guidance. Depending on your location, the following insurance products may be available:

• Recreational vehicle insurance
• Property insurance
• Home insurance
• Health insurance
• Farm and ranch insurance
• Crop insurance policies
• Business insurance

Customers who bundle their car insurance policies with another policy may receive a discount of up to 25%. Keep in mind that offerings vary greatly depending on the state in which you reside.

Country Financial: The Wrap-Up

Finding the right car insurance can be tricky when you’re not sure where to look. Country Financial offers a solid option, granting both basic and supplemental coverage to motorists in 19 states. Rated highly by J.D. Power and Associates, it provides its customers with multiple discounts and a straightforward claims process.

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