Country Financial Car Insurance reviews can give you an idea as to whether their services will meet your insurance needs or not. Compared to other providers, they have rather run-of-the-mill services, which is ideal for drivers who would prefer to stick with standard coverage options.
Moreover, you’ll also find that because of their basic offerings, it will be much simpler to create a policy that is easy to understand and put to good use.
About Country Financial Car Insurance
Country Financial was originally founded in 1925 by a group of farmers in Illinois, which means that its roots are in the Midwest, but they offer insurance throughout the United States. Today, you can get insurance through their agents in 19 states from Alaska to Alabama.
With plenty of different types of insurance, including life, home, and car, there are multiple options for bundling your policies together.
Compared to other insurance companies, Country Financial can assist you in planning your future in numerous ways. They have an onslaught of services to help you financially prepare for your retirement, ensure you have education savings, and more. Many customers have found that these services have proven to be invaluable.
Country Financial Coverage Options
As mentioned, this insurance company offers many of the same coverage options you’d receive from any other large-scale provider. The most common options for policyholders include:
For drivers dealing with vandalism to their vehicles, theft, or damage from falling objects, comprehensive coverage is incredibly useful. With Country Financial, you can have deductibles up to $1,000, and it’s important to review the damages covered by your specific policy.
Any damage to your vehicle after a collision is covered by this type of insurance. Your deductibles will range from $50 to $1,000.
To assist with paying medical bills for you and your passengers after an accident, medical payments coverage can cover you for up to two years.
Emergency Road Service
If your vehicle breaks down or experiences an unexpected issue, you will have up to $100 in reimbursements for towing, repairs, or labor charges.
Safety Glass Coverage
This optional add-on waives the deductible for comprehensive to replace or repair your windshield, light covers, or windows.
“The Keeper” Coverage
A special type of insurance from Country Financial is “The Keeper” coverage, which allows your collision and comprehensive protection to pay for a similar make and model of your vehicle if yours is a total loss. In addition, your vehicle will need to be four years or younger.
Personal Effects Coverage
If any of your belongings are damaged in an accident, this coverage protects the valuables up to $800, along with a $100 deductible.
Some other types of insurance coverage from Country Financial Car Insurance include:
- Rental Reimbursement
- Personal Injury Protection
- Uninsured Motorist
- Bodily Injury
- Property Damage
- Trip Interruption
- Umbrella Insurance
Benefits of Country Financial Car Insurance Policies
It’s your responsibility to ensure you are choosing an insurance company that will work with you in the event of an accident. Customers have relatively positive things to say about this provider, especially in terms of their unique discounts.
The most notable benefits include:
The discounts available from Country Financial are far superior to the savings you’d find with any other insurance provider. Some of the discounts you may be eligible for are listed below.
- Antitheft: With antitheft equipment installed in your vehicle, you are eligible for certain discounts to your comprehensive coverage.
- Defensive Driver: Save up to 5% on your entire policy when you finish a state-approved defensive driving course.
- Teen Driver: For newly licensed drivers, you can save up to 10% off your premium by completing the Simply Drive course from Country Financial.
- Student: Students that maintain a B average or higher will be able to save up to 25%.
- Engaged Couple: Individuals who are at least 21 years old and will get married within the year could be eligible for discounts.
- Bundling: If you bundle your policies together, you’ll be able to save as much as 25% for multiple policies. In addition, having multiple cars on the same policy can help you to save on premiums.
- New Vehicle: Have you recently purchased a new car? You could be eligible for up to 10% off your policy.
- Occupation Discount: As a unique way to save with Country Financial, professionals in certain industries can get a percentage off their premiums. K-12 teachers save up to 10% while EMTs, firefighters, paramedics, and police officers save up to 5%.
It can be incredibly frustrating to be stuck in a policy that is a one-size-fits-all approach. With Country Financial, there are multiple coverage options to choose from in order to build the ideal policy for your family. You can also choose from minimum coverage policies that simply ensure you are legally insured.
Cons of Country Financial Policies
A few of the most common complaints about Country Financial include:
No Coverage for Old Vehicles
If you own a car that is over 20 years old, you won’t be able to get insurance from Country Financial. They do not specialize in classic, antique, or collector insurance.
One of the more complained about aspects is that the insurance company constantly reaches out to their policyholders about signing up for other insurance products. They repeatedly hard-sell their investments and life insurance to current policyholders.
Poor Mechanic Referrals
It’s very likely that in the event of an accident, the insurance company is more likely to seek repairs rather than replace your vehicle, which is expected. However, the mechanics they refer their clients to aren’t as efficient as other mechanics, according to customer complaints.
There have been several noted issues about shoddy repairs as well as difficulty getting in touch with insurance agents to determine which body shop to bring the vehicle to.
Country Financial Car Insurance Reviews: Final Thoughts
When it comes to customer service, availability of coverage, and convenient policies, Country Financial Car Insurance reviews stands strong with most of the other large leaders in the industry. You’ll easily be able to create a custom insurance policy to cover you and your family members in numerous areas, including auto, home, and life insurance.
With their multiple discounts, it’s also likely you’ll find premiums that are competitively priced when compared to your current insurance provider or others in the area. Although they only serve 19 states at this time, Country Financial is recommended for those looking for standard insurance policies with vast coverage.