Country Financial Auto Insurance Review: Run-of-the-mill Rates, but Poor Reviews

Country Financial Auto Insurance Review: Run-of-the-mill Rates, but Poor Reviews

 Pros

  • Someone in need of both renters and auto insurance
  • Teachers, police officers, firefighters and others who can take advantage of the occupational discounts
  • Drivers looking for an insurer with local representatives

 Cons

  • Someone looking for an insurance company with great customer support
  • Drivers seeking the cheapest rates

While Country Financial doesn't have the lowest standard rates or excellent customer service ratings, it does offer some unique coverages as well as valuable discounts. Drivers who are able to take advantage of a few of these discounts should consider Country Financial for auto insurance. If they can't take advantage of the discounts, they should consider an insurance company with lower base rates and better customer reviews.

Country Financial Reviews and Complaints

Overall, the reviews for Country Financial were mixed at best. It performed poorly compared to other auto insurance companies in claims satisfaction and customer service ratings, but it received relatively few complaints. However, Country Financial did rate well for financial strength, and displayed a strong ability to cover its insurance obligations.

Claims Reviews

Country Financial's claims process is poorly reviewed across several categories. The company's ratings are subpar in comparison to the top auto insurance companies when it comes to claims servicing, its estimation process, the repairs process and settlements. In fact, Country Financial came second to last in J.D. Power's annual study of car insurers.

Customer Complaints and Financial Strength

Country Financial received few customer complaints, according to the National Association of Insurance Commissioners (NAIC). This report measures the number of complaints companies receive, relative to their market share. The NAIC report included ratings for Country Casualty, Country Preferred and Country Mutual—which are all part of the same parent organization, Country Financial.

For financial strength and ability to meet long-term insurance obligations, Country Financial received excellent ratings from A.M. Best Rating Services. These ratings take into account an insurer's ability to fulfill any insurance obligation that it's committed to. This means that Country Financial has enough money to pay out for all the assets that they insure.

Industry ReviewerRatingValue
NAICComplaint Index Rating0.22
A.M. Best Rating ServicesFinancial Strength RatingA+ (superior)
A.M. Best Rating ServicesIssuer Credit Ratingaa- (superior)
J.D. PowerClaims Satisfaction Rating2

Country Auto Insurance Quotes Comparison

Compared to other top insurers, Country Financial has low to average rates for most driver profiles. Based on our research, they did not provide the cheapest coverage for any of our sample profiles nor were they ever the most expensive option. On average, Country Financial was 30% more expensive than the cheapest insurer, which was Progressive. Country Financial provided its most competitive rates for our 42-year-old sample drivers at a cost 23% below the average.

Country Financial Annual Insurance Rates Comparison

Country Financial Policies and Discounts

Country Financial is a relatively small insurer and only offers auto coverage in the following 17 states: Alabama, Alaska, Arizona, Colorado, Georgia, Illinois, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin

It provides standard coverage options for auto insurance, such as:

  • Liability (both bodily injury and property damage) coverage
  • Personal injury protection and medical payment coverage
  • Comprehensive and collision coverage
  • Uninsured and underinsured (both bodily injury and property damage) coverage

Country Financial also offers some additional coverages that drivers might want to add on. The additional annual cost of these options can range from less than $10 to more than $250.

Additional Coverage Options

Emergency Roadside Assistance: This covers up to $100 in reimbursement if you run out of gas, break down or have some other sort of roadside incident. Emergency Roadside Assistance can cover towing, fuel delivery and repair costs. While $100 might not be a lot of coverage, especially considering getting your car towed can cost around $190 (depending on the rates and distance towed), it is a relatively inexpensive add-on and does provide some peace of mind.

Safety Glass Coverage: If you have comprehensive coverage with a deductible, then you have the option to buy Safety Glass Coverage. Having this waives your deductible for damage to your car's windows, windshields and light covers, which would normally be covered by comprehensive insurance.

The Keeper®: This is Country Financial's version of new-car replacement coverage. If your vehicle is up to four model years old, this covers the cost of buying a brand new car of the same make and model if your car is totaled in an incident that falls under collision and comprehensive damage. The Keeper® does not cover you if your car is stolen or damaged in a fire.

Personal Effects Coverage: This option applies to items that are damaged or stolen during a covered loss, such as an accident or car theft. Personal Effects Coverage pays the cost of reimbursement up to $800 with a $100 deductible. Some items, such as certain electronics, may not be covered by this option, and you should speak to a Country Financial representative for coverage details.

Special Tenants Coverage for Renters: One of the more unique coverage options that Country offers, Special Tenants Coverage, protects your belongings from losses that are normally covered by renters insurance. Having this coverage prevents the insured party from having to buy separate auto and renters insurance policies. It covers up to $20,000 with a $250 deductible.

Vehicle Rental and Trip Interruption: This option covers the cost of a rental car if you have an accident and need temporary transportation. In addition, the trip interruption part of this coverage pays for transportation, lodging and meal costs if you have have an accident more than 100 miles from your home. For both types of expenses, Country Financial will reimburse you up to $800 for each covered loss.

CoverageAdditional Cost Per YearAverage Percentage Increase in Premium
Emergency Roadside Assistance$7–$150.33%
Safety Glass Coverage$12–$681.31%
The Keeper®$64–$2663.71%
Personal Effects Coverage$8–$320.46%
Vehicle Rental and Trip Interruption$12–$540.73%

Country Financial Auto Insurance Discounts

Like most auto insurers, Country Financial offers discounts for safe driving and devices that make cars safer. Country Financial also offers discounts for things that have nothing to do with driving, like being engaged and having a certain occupation.

Anti-theft: To qualify for this discount, your vehicle must be equipped with an alarm or other anti-theft device.

Engaged Couple: If you are engaged to be married within a year, your fiance is over 21 years old, and you insure all eligible vehicles through Country Financial, then you can receive the Engaged Couple discount.

Multipolicy: Purchasing auto, homeowners or other insurance policies through Country Financial qualifies you for a Multipolicy discount of up to 25%. You also may be eligible for this discount if you have some other investment product though Country Financial as well. The Multipolicy discount can extend to unmarried children under the age of 25.

Defensive Driver: Completing a state-approved defensive driving course can save you up to 5% on your Country Financial auto insurance premiums.

Multicar: Insuring more than one car with Country Financial qualifies you for the Multicar discount. If parents qualify, this discount extends to unmarried drivers living away from home under the age of 25.

New Vehicle: Having a new model year vehicle saves you up to 10% with Country Financial car insurance.

Occupational Discount: Full-time K–12 teachers, firefighters, police officers, EMTs or paramedics can qualify for an occupational discount. Teachers can receive up to a 10% discount, while the other occupations listed can receive up to a 5% discount.

Teen Driver Discounts

Auto insurance for teenage drivers can be incredibly expensive. Country offers an array of discounts specifically aimed at these drivers:

  • High school and college students with at least a 3.0 GPA are eligible to receive up to a 25% discount.
  • Teens who complete a driver's education course or a defensive-driver course can qualify for discounts of 10% and 5% respectively.
  • Drivers who are 16 or 17 years old and have not had any moving violations or accidents are eligible to take the Simply Drive online course. Upon completion of this course, they are eligible to save up to 10%.

Country Financial: A Middle-of-the-road Auto Insurance Company

Unless you can take advantage of at least one of the discounts that Country Financial offers, you will likely find lower rates from other auto insurance companies. While most of the discounts that Country Financial offers are pretty common among auto insurers, it does have a few unique discounts that—if you qualify for them—could result in rates significantly lower than its competitors. Below, you can see how Country Financial's annual rates compare to some of the top auto insurers for our sample driver profiles.

Profile

Country FinancialGEICOProgressiveFarmers
18-Year-Old Male$7,090$7,529$4,722$10,835
18-Year-Old Female$6,221$7,754$4,126$10,345
42-Year-Old Male$1,727$1,071$1,674$4,085
42-Year-Old Female$1,702$1,326$1,752$4,452
80-Year-Old Female$2,015$1,918$2,156$2,843

For people looking to combine renters and auto insurance, the Country Financial Special Tenants Coverage is an excellent option. This auto policy add-on insures damage that would normally be covered by renters insurance and prevents you from having to shop for separate policies.

While most insurers offer multipolicy discounts for bundling auto and home insurance, only a few, such as Country Financial and Esurance, provide a special discount for combining car and renters insurance. So, if you're looking for both of these policies, Country Financial may be able to provide some of the best combined rates.

Just keep in mind that if customer service is a priority for you, Country Financial should likely not be your first choice for car insurance. Though the company sees few direct complaints, customers review Country Financial poorly overall, with particular criticism of its claims processing and customer support.

Bottom Line: Country Financial is an average auto insurer in terms of cost, but it has some interesting coverages and discounts. If customer service is not a priority and you qualify for its unique discounts, then Country Financial is worth checking out. Just be sure to compare rates from other insurers, as you may receive lower quotes from companies with better customer service ratings.

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