What discounts does Country Financial offer?

Looking for Country Financial discounts? Country Financial offers good driver discounts of up to 26% for a 3 year period with no accidents or tickets.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 9, 2021

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Things to remember...

  • Country Financial offers 26 unique auto insurance discounts to its drivers
  • This insurance company offers insurance products in 19 states
  • While Country Financial rates are competitive, it makes sense to shop around to find the most affordable insurance coverage available

There are dozens of insurance companies that you could buy auto insurance from, and you understandably may be looking for an auto insurance company that offers fair rates. However, this is not the only factor to think about when you are choosing a provider. For example, you also need to find an insurance company that is financially secure and that has a wonderful reputation in the area of customer service and satisfaction.

Make sure to compare rates with our free insurance comparison tool above! 

Who Is Country Financial?


Country Financial may not be the largest auto insurance provider that you could reach out to for a new auto coverage quote, but it nonetheless is established and reputable. The company was founded in 1926, and it is headquartered in Illinois. Currently, it offers insurance and financial services products in 19 states, and it serves more than one million customers.

This insurance company is well-known for providing excellent customer service and competitive pricing for auto insurance. However, you may still want to save even more money and make your premium as low as possible. According to this Country Financial Auto Insurance review, the company offers 26 types of discounts to its customers that you may qualify for, and there may be additional ways to save money as well.

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Understanding How to Lower Your Car Insurance Premium

While Country Financial has exceptional pricing on auto insurance coverage, you may be able to save additional money on your premium. In fact, you may able to combine multiple strategies together to save a small fortune on your premium each year.

Adjust Your Deductible

Each time you file a claim, you are responsible for paying your insurance deductible. When you buy a new insurance policy, you typically can select are deductible within limits that may be comfortable for you to pay at a moment’s notice. By opting for a higher deductible, your premium amount will be reduced. Remember that the deductible amount is selected at your discretion and can easily be changed.

Shop Around

Comparing rates between Country Financial and several other top insurance companies may also help you to identify a lower rate. Remember that other insurance companies also offer numerous discounts that you may qualify for. Shopping online is a great way to save time when comparing quotes.


Adjust Coverage Types and Limits

Both the coverage type and limits that you select for your new auto insurance policy will affect your premium. You definitely need enough coverage to comply with your state’s laws as well as with your lender’s auto insurance requirements. Many drivers also purchase extra coverage to reduce their out-of-pocket expenses if they need to file a claim. However, you should set coverage limits that create an affordable premium.

Improve Your Credit Rating


You may not realize it, but your credit rating directly affects your insurance cost. Consider reviewing your credit rating before you apply for new coverage. Take steps to improve your score as needed so that you qualify for lower insurance rates in the future. For example, you can pay all of your bills on time each month, or you can reduce outstanding debt balances.

Take Advantage of Discounts

Another important step that you can take is to use insurance discounts as much as possible. There are numerous common discounts that are available through most providers, but the requirements for the discounts may vary. In addition, you may need to take additional steps to qualify for some of them, such as by taking a driver’s education or safety course.

Saving Money With Country Financial’s Auto Insurance Discounts

When you apply for a new auto insurance policy online or over the phone with Country Financial, you may be pleased to discover that this provider has an exceptional range of discounts that you may qualify for. In fact, most drivers may qualify for multiple discounts that can combine together to generate tremendous savings.

Your Vehicle

Several of the Country Financial discounts are related to the vehicle that you drive. Specifically, there are discounts for features that may be in your car, such as:

  • Anti-lock brakes
  • Adaptive headlights
  • Stability control
  • A theft deterrent system
  • Daytime running lights
  • Passive restraint
  • Forward collision warning

If you typically store your vehicle in a garage or enclosed storage area, you may qualify for an additional discount through Country Financial. Newer vehicles and low mileage vehicles may also qualify for savings.

Your Personal Factors


There are also several discounts that are related to you as the driver and insured party. For example, if you meet the company’s qualifications for being a safe driver or if you have no claims on your driving history, you may qualify for a discount.

Other personal factors that may qualify you for a discount include being married or engaged, working in specific occupations, and being a young driver. Furthermore, if you make good grades in school or if you are furthering your education, a discount may be available to you.

Your Account Details

There are various account details that may also be reviewed for potential discounts. For example, if you bundle your auto insurance policy with other Country Financial products, you could qualify for savings. Bundling coverage for multiple vehicles or cars generates additional savings. You can also pay your premium in full upon renewal and sign up early if you want additional discounts.

Other Discounts Available

If you are thinking about applying for coverage through Country Financial, there are other discounts that you should be aware of as well. These include:

  • A homeowner discount
  • A driver’s education discount
  • A family plan discount
  • A defensive driver discount

Learning more about these discounts is a great step to take if you want to save as much money as possible. You also should plan to shop online for additional quotes to determine if Country Financial offers the best deal on your auto coverage. While it can take some time to request different car insurance quotes and to compare the options available, this effort will help you to save money on your next car insurance policy.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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