Country Financial Auto Insurance Review
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UPDATED: Jun 18, 2019
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Country Financial Auto Insurance is a division of Country Financial Group, which offers both insurance and financial services.
Country Financial is one of the largest companies offering both insurance and financial investments.
About Country Financial
Country Financial began in 1925 when farmers, who were members of the Illinois Agricultural Association, decided to group together to provide low-cost fire and lightning insurance to farmers.
Farmers became the first salespeople for the company, as they realized that many “city” agents did not travel the dirt roads to meet farm families.
These farmers worked part-time selling insurance to their neighbors. The first year, 385 farmers took to the roads to bring this insurance to their friends.
Country Financial began selling auto insurance in 1927, then expanded to life and homeowner’s insurance. Later, the company grew and branched into financial services, as well.
Today, Country Financial offers policies in 40 states with agents in 14 states. The company has 5,600 employees, writes over one million auto insurance policies, over $3.2 billion dollars in assets and offers life, home and auto insurance, along with financial services and loans.
Country Financial also acquired Middle Oaks and Cotton States, both insurance agencies that, like Country, began as localized firms selling insurance to a specified group.
The company has corporate offices in Bloomington, Illinois; Arden Hills, Minnesota; Atlanta, Georgia; Middleton, Connecticut; and Salem, Oregon.
Country Financial Industry Ratings
Country is ranked “A+” by A.M. Best, a group which rates companies’ financial security. It is also listed as a Fortune company, with a ranking of 599. Weiss Ratings gave Country’s life insurance division an “A+”, the highest rank it gives.
Overall, Country appears to be a financially sound company. It is structured as both a mutual company and a stock company, meaning that some divisions are owned by the policyholders and some by shareholders.
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Country Financial also operates the Country Financial Security Index, which surveys Americans about their feelings of financial security. These surveys are conducted and published bi-monthly, and the results have been used by many other industries to gauge American’s opinions on financial matters.
Country provides this service as a benefit to other companies and to the public.
What types of car insurance does Country Financial offer?
Country Financial offers a variety of auto insurance products. “The Keeper” coverage offers repair/replacement value for new cars up to four years after purchase. If your car is damaged, this coverage will allow you to repair or replace it without any gap coverage.
The company also offers liability, collision, and comprehensive insurance, making it a “full insurance” company.
You can also purchase supplemental policies for glass repair, property damage, medical expenses and uninsured/underinsured motorist coverage along with motorcycle insurance, rental car insurance and personal umbrella policies.
Country Financial agents will assess your needs and help you determine the best coverage for your vehicle and driving conditions. Country prides itself on never selling “off-the-shelf” policies; instead, an agent tailors your policy to meet your needs.
Country Financial Auto Insurance Discounts
Customers of Country Financial auto insurance are eligible for a number of discounts, as well. Discounts are available for good students (those maintaining at least a “B” average), anti-theft devices, defensive driving courses and more.
If you are engaged, Country Financial even offers special rates for both people if they marry within 12 months and have both vehicles insured with them. Other common discounts also available include multi-policy discounts, multi-vehicle discounts and more.
Country Financial Customer Satisfaction Review
J.D. Power and Associates is a group which measures customer satisfaction with auto insurance companies. Country Financial ranked “average” in all categories, including pricing, talking to the insurer, and policy offerings.
On the 1000-point Customer Satisfaction Index, Country Financial scored 786, placing twelfth overall in the survey. They were one of the few small companies to place this highly on the scale, beating out some bigger auto insurance companies in overall customer satisfaction experience.
Country Financial also ranked first in customer satisfaction, with the lowest rate of complaints for both auto and homeowner’s policies, in the state of Illinois for eight out of nine years from 2000 to 2008.
How much is auto insurance from Country Financial?
Country Financial auto insurance rates are competitive with those of many other larger companies in most markets. However, due to the fact that rates are based on such individual factors, it is necessary to obtain a personalized quote to determine if Country Financial is the best company for you.
Drivers with a clean driving record, good credit and are over 25 will often very affordable auto insurance from Country Financial but you still need to shop around to get the best rates.
Start an auto insurance comparison search today by entering your ZIP code above.