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Country Financial: Are They Offering Auto Insurance in a State Near You?

Country Financial is an insurance company which deals in auto, home, life, farm insurance products, and more. Their headquarters are located in Bloomington, IL and they have been in business since 1925. Country Financial currently manages policies for drivers as locally as Illinois and as far away as Alaska – a total of 19 US states. With Country Financial, you have the option of getting a quote either electronically over the internet or contacting an agent in your area.

Country Financial Insurance Review

How financially strong is Country Financial? You’ll want to know the answer to that question before you buy, since the financial strength of an insurance company determines how likely they will be to pay out on any claims you file. You’ll also want to know what their customer service is like since this could be an accurate predictor of how much of a hassle the claims process might be. As you can see in the chart below, Country Financial has earned high marks in both of these categories.

Ratings Agency Rating
Better Business Bureau (2016) A+
NAIC Complaint Index (2012) 0.34 (Better than Average)
AM Best Financial Strength Rating (2016) A+

Country Financial Insurance Discounts

Who doesn’t like getting discounts on their automotive insurance policy? Companies are well aware of the appeal of discounts, and Country Financial is no exception when it comes to offering them up in order to attract new business:

Discount Type Discount Amount
Defensive Driver Course 5%
Multi-Policy Discount 25%
Driver Training / Education Course / New Teen Drivers 5-10%
Good Student Up to 25%
New Vehicle 10%
Occupation: First Responders Discount (Firefighters, Police Officers, Emergency Medical Technicians, and Paramedics) 5%
Occupation: Teachers Discount (full-time, teaching K – 12th grades) 10%

(*CountryFinancial.com 2016)

Country Financial Auto Insurance Options

Country Financial offers a variety of coverage options depending on what you want to protect your property from. For instance, if you’re concerned with physical damage, you can choose from:

  • Collision – protects against body damage to your vehicle in an accident; flexible deductibles range from $50-$1,000
  • Comprehensive – protects against theft, hail, vandalism, and more; flexible deductibles range from $0-$1,000
  • Uninsured Motorist Property Damage – coverage, deductible, and availability will vary by state

They also offer basic liability, medical coverage, and more:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured Motorist Coverage
  • Emergency Road Service
  • Rental Reimbursement/Trip Interruption
  • Safety Glass Coverage
  • Personal Effects Coverage
  • Tenant Coverage for Renters (bundled with Auto Policy)
  • Umbrella Insurance
  • “The Keeper” – replaces your new vehicle after a total loss accident for up to 4 years after your vehicle is purchased. Also provides for Collision & Comprehensive repairs for damage sustained from anything other than fire, larceny, and theft

Comparing Country Financial Insurance Quotes

Many different factors can have an influence on how much you pay monthly for your insurance coverage. In the chart below, you can see some estimates for what an average driver might pay for a basic auto policy from Country Financial:

Country Mutual Auto Insurance Quote Comparison Legend: Country Mutual Married Homeowner Poor Credit Single Renter Imperfect Record 10 20 30 40 50 60 70 80 90 $22 $35 $22 $97

 
Now there are a couple of things worth mentioning to put this graph in context. For starters, the rates were based on a driver living in Illinois, where monthly rates are lower than the national average. Secondly, these are estimates and cannot be guaranteed for every driver. From there, we can look at the data to glean some very important information about Country Financial. Take a look at the monthly quotes for “poor credit” and “imperfect record” drivers; they are exceptionally higher than for drivers with good credit, or for drivers who have a perfect driving record free of accidents and/or tickets. It isn’t uncommon for automotive insurance providers like Country Financial to charge more for drivers who are “high risk”, as demonstrated by the chart above. So if you happen to fall into a high risk category, you may end up receiving a higher quote than what you see here.

Pros and Cons of Country Financial Insurance

Pros Cons
Purchasing “The Keeper” coverage protects you from owing money on a brand new/leased vehicle for up to 4 years if you get into a total loss accident Coverage is limited to only 19 states right now
“Thank you” discounts available for first responders and teachers Drivers with poor credit or a heavily blemished driving record may have to pay significantly higher premiums

To be honest, Country Financial seems to be out-performing a lot of the competition in the automotive insurance industry. Their financials are strong, they have a pretty good customer service reputation, and they offer discounts and extra forms of coverage that most companies don’t have. The only catch is that you have to be a nearly perfect driver; otherwise, you might see anywhere from a 50% to a 400% increase in premium costs compared to drivers who are considered a lower risk.
 

Corporate Headquarters
1701 N Towanda Ave
Bloomington, IL 61701-2057
www.countryfinancial.com
Phone:309-821-3000
Fax: 309-821-3538
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