Auto Insurance Review: Country Financial

Country Financial Auto Insurance provides a solid option for many who live within the states it serves. But it’s generally going to be best for those who are looking for a localized option while still preserving those modern conveniences — like a mobile app and online bill pay — that you’d find with a national insurer.

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Last Updated: 1/7/2021

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Auto Insurance Review - Country Financial

Score92

5/5

discounts

5/5

complaints

4/5

satisfaction

4.5/5

stability

3/5

affordability

pros

Excellent customer satisfaction and financial stability ratings

Solid array of general coverages and discounts

Many other insurance products available

cons

Somewhat limited availability

Coverages may vary by location

Country Financial’s Auto Insurance Auto Insurance is available in 19 states, scattered throughout the country. The coverages and discounts available can vary by location, but are generally solid, while their customer satisfaction is where the company shines. In general, it’s best suited to those who live within the coverage areas and value convenience and customer service

How Does Country Financial Auto Insurance Rate?

If you look at ratings Country Financial Auto Insurance has received from companies like J.D. Power and AM Best, the company positively differentiates itself from other insurance companies, with ratings above the curve. That makes the company an especially attractive option for those who prioritize customer service in their insurance company.

Customer Satisfaction Rating

First Notice of Loss:

4/5

Estimation of Process:

4/5

Repair Process:

5/5

Claims Servicing:

4/5

Rental Experience:

2/5

Settlement:

3/5

J.D. Power’s Auto Claims Satisfaction Study looks at several important factors, like overall customer satisfaction, repair process and settlement. Country Financial ranks extremely well across the board, earning mostly 5 out of 5’s. That favorably places it on the higher end of the ratings board, as compared with other insurers.

Customer Complaint Ratio

Country Financial

The National Association of Insurance Commissioners (NAIC) rates insurance companies based on the number of recorded complaints. The national median is 1. Companies with a rating higher than one mean they receive more complaints than most insurance companies. The lower the rating, the better. Country Financial was rated with a 0.28, meaning they receive fewer complaints than most insurance companies.

Financial Strength

A.M. Best’s ratings system focuses on the financial strength of an insurer, as a way to gauge how well-positioned it is to be able to meet its financial obligations to customers. According to Country Financial’s A+ rating, the company is stable in this regard. Just keep in mind that this rating is an estimate, not a warranty.

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Country Financial Insurance Features

Country Financial provides comparable support and features that you would find with some of the national insurers. It even goes beyond the typical car insurance coverages to offer less common options, like savings schemes and roadside assistance.

Type of Feature
Description
Online Bill Pay
Once you register your online account, you can pay your bills online, rather than having to call in.
Online Claims
You can also file claims online, which can help if you get in an accident at an odd time of day or simply don’t want to use the customer service phone number option.
Mobile App
Customers can access their insurance cards, pay their bill, and contact their representative through the mobile app, which is available on iPhone and Android devices.

Country Financial Auto Coverage

Consider some of the basic coverages you’d likely find with an auto insurance policy with Country Financial.

Type of Coverage
Description
Collision
Provides coverage for damage to your car when you're in a car accident.
Personal Injury Protection
Covers certain losses from an accident, like lost wages and child care expenses.
Uninsured
Protects you if you’re hit by someone who doesn’t have, or doesn’t have enough, insurance.
Liability
Includes bodily injury and property damage coverage options.

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Optional Insurance Features and Coverage

In addition to the typical coverages, Country Financial provides access to several other options.

Type of Option
Description
Rental Reimbursement
Reimburses you for up to $800 for a rental car, provided you have a covered loss. This also includes travel expenses.
Roadside Assistance
Provides assistance if you end up stranded on the side of the road.
Auto Glass Repair
Waives your comprehensive deductible for the cost of replacing or repairing glass, like a windshield, in your car.
New Car
“The Keeper” option pays for a replacement car if yours is severely damaged.
Personal Effects
Protects covered valuables in your car.
Medical Payments
Provides financial assistance, or coverage, if you or a passenger is injured in an accident.

Available Discounts on Country Financial Car Insurance Coverage

Country Financial offers a solid amount of discounts to its customers, including common discounts like bundling, and occupation and student discounts. They also offer less traditional discounts, like those for engaged couples or who get an advance quote.

Type of Discount
Description
Safe Driver
A discount for those who go three years without accidents or traffic tickets.
Defensive Driver
Those who complete a state-approved motor vehicle defensive driving course may be eligible for a discount of up to 5%.
Driver Training
The Simply Drive Discount applies to newly licensed drivers who complete the company’s “Simply Drive” course.
Good Student
Helps full-time students who earn at least a B grade point average gain access to additional savings.
Multi Vehicle
Those who insure two or more cars with Country Financial can save up to 30%, and the discount can extend to single drivers under 25 who live away from home.
Family
Gives unmarried drivers under 25 years old access to additional savings if their parent’s policy qualifies for a multi-car and multi-policy discount.
Anti Theft
This discount applies to your comprehensive coverage if your car is equipped with an alarm or anti-theft device.
Multi Policy
Gives those with different policy types, like home and auto, a discount for keeping those with Country Financial.
Other
Engaged couples who plan on getting married sometime in the next year and insure all of their vehicles with Country Financial may qualify for up to 25% off (Must be 21 or older). Helps college graduates, regardless of GPA, access additional savings. Discount for full-time, K-12 teachers, as well as firefighters, police officers, EMTs and paramedics.

Other Country Financial Insurance Products

Country Financial offers a wide array of other insurance options. That can be especially helpful if you want to take advantage of bundling, which can help you save. However, keep in mind that, in general, it’s still important to look into other options as you may save more by going with another insurer.

Type of Product
Description
Homeowners Insurance
Insurance products are available for homeowners, condo owners, renters, landlords and owners of mobile homes.
Umbrella Insurance
Provides extra coverage for your auto insurance policy for, “up to $1 million or more.”
Life Insurance
Includes term, universal and whole life insurance products that can help cover costs in the event of the policyholder’s death.
Business Insurance
Provides coverage for business owners, with products like commercial packages, specialized coverages, as well as specific options for winery and brewery owners.
Agricultural Insurance
Farmers and ranchers can get coverage for livestock and country estates, as well as farms, ranches, and crops. Crop policy options include comprehensive hail insurance as well as specialized federal crop insurance policies.
Identity Theft Insurance
Country Financial also offers identity theft protection.
Pet Insurance
Pet insurance is available.

How to Make a Car Insurance Claim With Country Financial

Customers can report a car insurance claim online by logging into the Country Financial account. Or, for those who haven’t yet registered and don’t have an online account, you could instead call their customer service number, which is available 24/7.

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Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author

Devon Delfino is an independent journalist based in the Pacific Northwest. She earned her Bachelor of Science degree in journalism from Boston University. Her personal-finance reporting has been featured in publications such as the L.A. Times, Teen Vogue, Mashable, MarketWatch, CNBC and USA Today, among others.