Country Mutual Auto Insurance Review for 2023
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Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 20, 2022
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All the way back in 1925, Country Mutual first incorporated itself in Bloomington, IL. In its early days, it sold fire and lightening insurance to local farmers. Over the years, their financial products gradually grew in breadth and depth to the point where today, their customers can choose from auto, home, life, health, crop insurance, and more. The easiest way to get a quote from Country Mutual is to either contact an agent, or to fill out a survey online which asks for some of your personal information. But before you go down that route, learn more about Country Mutual here.
Country Mutual Insurance Review
If you want to make sure Country Mutual is the insurance company for you, then your first job is to look at how well-rated they are. And this isn’t limited to their customer service reputation, either; the strength of their financial accounts matters too. Country Mutual has high marks in both categories, which strongly suggests that they will be there for you both financially and professionally when you need to file a claim.
|Better Business Bureau (2016)||A+|
|NAIC Complaint Index (2012)||0.34 (Better than Average)|
|AM Best Financial Strength Rating (2016)||A+|
Country Mutual Insurance Discounts
Like many other automotive insurance companies, Country Mutual offers drivers specific discounts based on things that lower your risk of filing a claim in the future. Some of these include defensive driver training, owning a new vehicle (with the most advanced safety features), and earning good grades as a young student. Country Mutual also goes the extra mile with its savings opportunities by offering “thank you” discounts to people who work difficult but necessary professions which benefit their community as a whole:
|Discount Type||Discount Amount|
|Defensive Driver Course||5%|
|Driver Training / Education Course / New Teen Drivers||5-10%|
|Good Student||Up to 25%|
|Occupation: First Responders Discount|
|(Firefighters, Police Officers, Emergency Medical Technicians, and Paramedics)||5%|
|Occupation: Teachers Discount (full-time, teaching K – 12th grades)||10%|
Country Mutual Auto Insurance Options
Country Mutual has some flexible options when it comes to choose your automobile insurance coverage. On the types of coverage which require a deductible, such as Collision and Comprehensive, they give you the choice of choosing your deductible before the policy is finalized. They also offer you a unique form of loan/lease gap coverage called “The Keeper”. The Keeper essentially protects you from ending up underwater on a brand-new financed or leased vehicle for your first 4 years of ownership if you experience a total loss accident.
- 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
Comparing Country Mutual Insurance Quotes
Before you get too excited about Country Mutual, you need to understand that companies like this usually give the best insurance rates to what are called “low risk” or “preferred risk” drivers. Those drivers typically have good credit, few accidents on their current driving record, drive affordable cars with advanced safety features, and family members of driving age that they can bundle onto their policy (along with multiple vehicles).
Of course, the numbers in the chart above are merely estimates. Depending on your own record, your current credit score, and a plethora of other factors, your specific quote from Country Mutual may be slightly different. The chart above just gives you some context that you can use to compare Country Mutual to other providers in your area.
Pros and Cons of Country Mutual Insurance
|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|
It looks as though Country Mutual has a lot of attributes that motorists find attractive in an automotive insurance company. They have a strong financial base, good customer service ratings, flexible coverage options, and even job-specific discounts for people who earn their paycheck while also servicing their local communities. But for drivers with poor credit or several tickets in the last few years, the lowest rates might not be within reach. Enter you zip code into the quote generator below to learn more about affordable deals near you.Corporate Headquarters
1705 North Towanda Avenue
Bloomington, IL 61702