2021 Country Financial Insurance Review: Car, Home and Life

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Founded in 1925, the Country Financial Insurance Company was founded to support a group of Illinois farmers seeking to protect themselves from fires and lightning damage. Today, it is a leading insurance provider with auto, home and life insurance coverage options, as well as retirement services and educational funding support.

Coverage is limited with service in 19 states, but its Midwestern customers return annually for specialist assistance like insurance coverage for farms and ranches, businesses, and crop investments. The company also has excellent customer satisfaction ratings, making it a comprehensive and attractive insurance provider for the niche customer.

Country Financial auto insurance

Country Financial has insurance policies for anything you want to drive, including cars, motorcycles, boats, and recreational vehicles.

Types of coverage

  • Collision
  • Full
  • Protection of uninsured and underinsured motorists
  • Damage to the boat
  • Damage to recreational vehicles

Additional coverage options include:

  • The Keeper (new car cover)
  • Emergency road service
  • Vehicle rental and trip interruption
  • Security Class Coverage
  • Personal effects coverage
  • Umbrella insurance

Cost of Country Financial Auto Insurance

The average cost of Country Financial auto insurance is $ 516 per year for minimum liability coverage, according to 2021 data obtained from Quadrant Information Services. If you go for a full coverage policy, the average premium increases to $ 1,840 per year, slightly higher than the national annual average for full coverage of $ 1,674. Your actual price will vary. Which provider you choose can have a big impact on the price you pay for auto insurance, as can other factors, such as where you live, the car you drive, and your driving history.

Average annual premium for minimum coverage Average annual premium for full coverage
$ 516 $ 1,840

Discounts

  • Discount on prior estimate
  • Engaged couple discount
  • Multi-car and multi-police
  • Good driver discount
  • Defensive driver discount
  • Handover of inheritance
  • Good discount for students and university graduates
  • Just drive the shed
  • Professional discount for full-time K-12 teachers, firefighters, police, paramedics and paramedics.

Country Financial home insurance

CCountry Financial offers basic and premium coverage options for homes, condos, and mobile homes, as well as tenant and homeowner insurance.

Types of coverage

  • Property damage caused by fire or lightning and windstorm or hail
  • Flight
  • Smoke damage
  • Vehicle collisions
  • Glass breakage
  • Falling objects
  • Weight of ice, snow or sleet
  • Electrical damage
  • Failure of sump pump and backflow from sewers or drains
  • Advocacy service coverage
  • Protection against earthquakes
  • Flood insurance
  • Identity theft cost coverage
  • Top notch coverage, including counter burns, paint spills and damage from power surges to appliances.

Personal Property Coverage Options

  • Jewelry, watches and furs
  • Silverware, silverware and pewter
  • Money and other currencies
  • Fire arms
  • Boats
  • Recreational Motor Vehicles

Discounts

  • Multi-policy discount
  • Reduction of residential age
  • Discount on age of wiring
  • Discount on new roofs
  • Safe heat discount
  • Roof shed
  • Alarm credit remittance

Country Financial life insurance

Country Financial offers term, universal and whole life insurance.

Term life insurance

Country Financial’s term life insurance includes coverage from $ 50,000 to over $ 1 million for a specified period of 10, 15, 20 or 30 years. The company also offers additional features and benefits that you can add for an additional fee:

  • Term insurance for children
  • Reimbursement of the premium
  • Waiver of premiums in the event of disability
  • Accelerated Benefits

Universal life insurance

Universal life insurance is a more affordable permanent insurance option, which allows you to choose how much you want your beneficiaries to receive from your death benefit. Country Financial also offers additional features and benefits that you can add to your universal life insurance policy for an additional fee:

  • The child’s full-term life
  • Accelerated Benefits
  • Exemption from the specified premium

Whole life insurance

Country Financial also offers permanent coverage with a variety of benefits that you can use throughout your life. With whole life insurance, you’ll benefit from consistent premiums, an accessible cash value, a tax-free death benefit, and the ability to use it for loans and withdrawals. The five payment options for this insurance plan are whole life insurance, 10 payment life insurance, 20 payment life insurance, paid-up life insurance at age 65 and insurance. – whole life at a single premium.

There are also several features and benefits that you can add to your whole life insurance policy for an additional fee:

  • The child’s full-term life
  • Term insurance for you or your spouse
  • Accelerated Benefits
  • Paid Additions Jumper
  • Guaranteed insurability option
  • Accidental death benefit
  • Waiver of premiums in the event of disability
  • Amendment to the dividend function of the index

Country Financial ratings, reviews, complaints and customer satisfaction

Country Financial Insurance ratings mark the organization as an overall good quality insurance company. Its ratings with JD Power are above average in both home and auto, with the company achieving the highest overall rating for customer satisfaction with its home insurance.

Top reasons to consider Country Financial

If you live in one of the 19 states that Country Financial serves, you may find that the company meets your insurance needs.

Country Financial is a particularly good option if you own farm property, equipment, and animals, but don’t overlook this business just because you live in the city – highly rated auto insurance and the wide range of options available to you. home insurance, including condos and tenants. insurance, are likely to meet your needs, no matter where you live.

The biggest downside to this company is that it is not available in all states, so if you have any questions about your area, to reach to a Country Financial representative.

Additional policies offered by Country Financial

Country Financial stays true to its farming roots by providing coverage for all of your rural and farming needs.

  • Farm and ranch insurance
  • Livestock insurance
  • Rural domain insurance
  • Crop insurance
  • Pet insurance

Frequently Asked Questions

Can I insure a small farm with Country Financial?

Yes, if you have small farmland but don’t make a living from farming, you can still get protection through Country Financial. Country Estate insurance covers your agricultural investments not included in your home insurance such as outbuildings, fences and agricultural movable property. As long as your annual gross income from your small farm or animal operation remains within a set limit, you may be eligible for this type of insurance.

How do I get a quote from Country Financial?

You can easily get a quote online by going to CountryFinancial.com and selecting the type of insurance policy that interests you. Then you will provide your zip code and answer a few questions. If you prefer to speak to an agent, you can call (866) 268-6879 for a quote over the phone.

How do I file a complaint with Country Financial?

The easiest way to file a complaint with Country Financial can be to report it online or through the mobile app. You will need to create a customer account and log in on a computer or mobile device. When you report a claim, you select the type of claim and provide a brief description. If you prefer to talk to one person, you can contact a representative for further assistance.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should be used for comparison purposes only.


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