Country Financial Car Insurance Review

Our Country Financial car insurance review found that the company offers a type of auto insurance protection called "The Keeper," which covers 100 percent of the repair or replacement costs for a new vehicle. Country Financial auto insurance also offers discount programs for good students, good drivers, anti-left installments, and more. Compare Country Financial auto insurance rates with other car insurance companies using our free tool below. Enter your ZIP code to get started.

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UPDATED: Nov 17, 2020

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Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Nov 17, 2020Fact Checked

Country Financial was founded in 1925, with a firm grounding in agriculture. It started out selling fire and lightning insurance, and a year later added farm equipment and crop hail insurance. 1927 marked the first year Country Financial offered auto insurance, with life insurance following two years later.

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Country Financial has always been an equal opportunity employer, starting in 1935 with its first female hires for financial and insurance representatives. The company continued to add more products and require more office space, opening a new customer service center to serve policyholders 24 hours a day, in 1997.

Country Financial has the financial strength that comes with more than 80 years of successful business, with the track record of a company that takes a conservative investment and business approach. Financial representatives are local, and backed by a team of other financial and insurance professionals and partners. The company has an “A+” (Superior) rating for financial strength from A.M. Best Company. Weiss Ratings also gave Country Mutual an “A” rating, held by only 19 other auto and home insurance providers in the nation.

Company Philosophy

Country Financial thrives on building community. Customer satisfaction and the ability to listen and respond are part of the reason the company has been successful for over 80 years.

When consumers choose to do business with Country Financial, the company provides them with more than just an insurance policy or investing services. Country Financial promises personal attention with expertise in the form of Country Financial representatives, who will get to know the customer and gain his or her trust by providing quality service.

One of the ways Country Financial builds community is by sponsoring events that bring people together. The company sponsors the Road Trips and Guitar Picks concert series, with some of the hottest stars in music. The Country Youth North tournament is part of their youth community sponsorship, along with high school and Kids Expo events. Additionally, the company supports several farmers markets in various communities.

Community Service

Country Financial gives support to regional and national nonprofit organizations that help communities grow and be successful. In states where the company offers farm insurance, Country is the leading agricultural insurer for the state. The company provides financial contributions and support to important agricultural organizations such as the American Farm Bureau Foundation for Agriculture, the 4-H Foundation and the Eastern Oregon Livestock Show.

The company also generously gives its support to the Children’s Hospital of Illinois, American Cancer Society’s Relay for Life, military support through the Veterans Foundation of Illinois and the American Red Cross. Additionally, it aids the United Way, and community organizations that provide a safe haven for residents of the community who may be in a crisis, or in need of counseling or housing assistance. Country Financial’s employees get involved; volunteering to cook dinners, help with building repairs and much more, to show their support the community.

The Company also participates in several green initiatives, making a commitment to sustaining the environment and continually looking for the next best opportunities to go green.

Country Financial Auto Insurance Products

Country Financial offers a type of auto insurance protection called “The Keeper” which covers 100% of the repair or replacement costs for a new vehicle. The Keeper coverage applies for vehicles up to four model years, and this coverage to pay the full cost of repairs in an accident even if they exceed the car’s value. New cars lose approximately 15 to 20% of their value each year, and in the first year, a new car has the steepest depreciation. Many other insurance companies pay only the market value of the car if it is totaled, but The Keeper coverage pays for a brand-new car, the same make and model as the original. The Keeper coverage is available in most states, however coverage does very between states and representatives can give customers further information on availability in their state.

Country Financial does not try to sell its customers pre-packaged insurance coverage. Its representatives listen to each customer’s needs first. Then the representative asks appropriate questions and presents the customer with an insurance policy representing the specific needs and desires of the customer, at a price they can afford to pay.

The company offers many other product lines in addition to auto insurance. Home and renters insurance, life insurance and commercial insurance make a part of their product set, along with farm ranch & crop insurance. Country financial offers other products to protect families and their loved ones, with long-term care insurance, disability income insurance, annuities and Medicare supplement insurance available as well.

Country Financial believes strongly in helping consumers find financial security, and the company offers free financial and insurance reviews to help its customers find the lowest-cost auto and other insurance and assisting them in putting their dollars to work in smart investments for retirement. The company offers many investment options, from mutual funds, trusts, to education funding and retirement investing. The company has many available products to help families manage change, whether planned or unplanned, since change is a part of life.

Auto Insurance Discounts

Country Financial offers several discounts to its policyholders. Drivers may be familiar with some of them, although Country Financial has a few unique discounts as well. The company offers discounts for good students, and provides a discount to any college graduate regardless of their GPA. Any vehicle equipped with an antitheft alarm or other device many warrant a discount on comprehensive coverage. Drivers can get a discount for taking a state approved defensive driving motor vehicle course. Drivers under 21, completing any driver’s education course approved by the state, may receive a 10% discount on their auto insurance. Additional discounts can be had for multi-policy and multi-car families, and Country Financial has a gift for engaged couples. Any couple engaged with a wedding coming up in the next 12 months, with at least one partner at 21 years of age, may qualify for discounts if insuring all of their vehicles with Country Financial.

Customer Service

Country Financial has a well developed website which offers a consumer many choices to research auto insurance and maintain their policy. Claims can be filed any time of the day or night by calling a toll-free number, and the website has a claim checklist to make sure drivers do not leave any important information out. Customers can pay their policy premiums online, as well as put in an auto insurance replacement card request.

Country Financial also provides information on their site to aid consumers in doing research up front before making insurance buying decisions. They provide a “frequently asked questions” section for auto insurance, as well as information on raising a teen driver and the type of considerations that factor into getting lower premiums on insurance for teens.

How much is Country Financial Car Insurance?

Auto insurance premiums vary from one company to another based on a variety of factors, some of which the consumer can control and others which they cannot. The state a person lives in is a primary factor, as well as negative marks such as traffic violations or a DUI on a driving record. Age, the type of car driven and a poor credit history also factor in to the overall cost of auto insurance. Country Financial offers competitive rates along with several discount opportunities. Additionally, the company offers a wide variety of other insurance and financial products, and discounts may be available for combining products.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

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