Country Auto Insurance Review

There are a lot of auto insurance companies out there that go by the name of “Country Insurance.” For the purposes of this review we’re discussing Country Mutual, an insurance company that offers many different types of auto insurance coverage in 40 different states and has been in business for more than 80 years.

This might or might not be the Country Insurance that you were looking for, but it’s one of the most known insurance companies that goes by Country Insurance, and one of the most well-regarded, as well. Try our FREE quote generator on our homepage for FREE.

Inaccessibility

Right away with this company we come to a stumbling block: Country Mutual do not offer auto insurance quotes online through their website or elsewhere.

This means that the only way to get a quote from the company is to call them up yourself or see them in person, and as we all know, this can be a big waste of time if they don’t give you a price that you like.

This isn’t a good enough reason to write them off right away, though. The innovative company may be falling behind in certain areas of technology and accessibility, but that doesn’t mean that they aren’t progressive enough in other areas.

For instance, Country Mutual offers an interesting insurance product called “The Keeper.” “The Keeper provides customers with repair and replacement costs on any new car, truck or other vehicle for up to four years.

The Keeper covers everything from glass repair and flat tires to spark plugs and rear view mirrors. If more companies offered this kind of thing, we would perhaps have fewer companies having to make bigger payouts later on down the line. The Keeper insures both the driver and the company against greater expenses later on.

Supplemental Policies

Where Country Mutual really shine is in their supplemental coverage. If you’re willing to spend a little more then you can get a wide range of insurance products through the company including personal umbrella insurance, rental car insurance, medical expenses, and uninsured coverage.

Where many insurance companies will charge an arm and a leg in order to include all of these insurance policies, Country Mutual costs less with a wide range of auto insurance discounts and reasonable prices.

You can look into Country Mutual’s good student discounts, defensive driving discounts, multi-vehicle discounts, and multi-policy discounts, among others.

Safe Driving Pays Off

According to J.D. Powers and Associates, Country Mutual rank “average” in most categories if you are an average driver. On the other hand, if you are an exceptionally safe driver then you can expect to get a little more out of the company.

For instance, if you are over 25, have a clean driving record, and maintain a solid credit score, you can expect to pay far less than your neighbor who has a few citations, or your teenage cousin, or a driver with a bad mortgage to his name.

The Final Verdict

Located in Bloomington, Illinois, Country Mutual is a good, reliable, dependable insurance company. They offer a wide enough range of products for most drivers at a price not too far off of the industry average. So the question is whether or not this is an insurance company worth buying from. The answer to that question is a little more complicated than a simple “yes” or “no.”

For all of their strengths, Country Mutual is just another insurance company. No one insurance company is necessarily better than every other. Rather, determining which insurance company is the best is highly subjective and highly persona.

Country Mutual might or might not be the best choice for you, but you won’t know until you do a good amount of comparison shopping. If you simply jump into business with the first insurance company that seems to be offering you a fair deal then you’re sure to wind up regretting it later on down the line when someone offers you a better one. Take advantage of our FREE quote comparison tool by entering your ZIP.

If you really want to make absolutely certain that you’re getting the very best insurance that you can buy then you’re going to want to take the time to shop around, do some price comparisons, ask your insurance agent what makes this company special, and then make your decision. The more informed you are, the more able you will be to make the right choice.