Auto-Owners vs Country Financial Car Insurance for 2023
In the dynamic landscape of car insurance, the competition between Auto-Owners and Country Financial takes center stage, this analysis aims to empower drivers to make informed choices for reliable coverage and competitive rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the labyrinth of car insurance rates demands a keen understanding of the myriad factors that shape the pricing landscape. In this comprehensive analysis, we unveil the intricate dance between credit score, mileage, coverage level, and driving record, dissecting how each variable influences the rates offered by Auto-Owners and Country Financial. Whether you’re a high-mileage driver with a pristine driving record, a credit-conscious individual seeking comprehensive coverage, or fall somewhere in between, our data-driven exploration reveals the sweet spots for advantageous rates. Let this guide be your compass in identifying which company aligns with your specific profile, ensuring you secure not just coverage but the most cost-effective one tailored to your unique circumstances.
| Factors | Auto Owners | Country Financial |
|---|---|---|
| Clean Record | $87 | $85 |
| 1+ Ticket | $105 | $110 |
| 1+ Accident | $127 | $125 |
| DUI | $130 | $140 |
| Poor Credit | $150 | $146 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Auto Owners | Country Financial |
|---|---|---|
| Anti Theft | 5% | 8% |
| Good Student | 10% | 12% |
| Low Mileage | 10% | 9% |
| Paperless | 7% | 7% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 11% |
Auto-Owners
Pros:
- Long-standing History: Auto-Owners boasts over a century of experience in the insurance industry, reflecting stability and reliability.
- Financial Strength: The company holds an A++ rating from A.M. Best, indicating a strong financial standing.
- Additional Coverage Options: Auto-Owners offers diverse coverage options, including roadside assistance, rental car coverage, and glass coverage.
- High Customer Satisfaction: J.D. Power’s 2021 U.S. Auto Insurance Study ranks Auto-Owners highest in customer satisfaction in the North Central region for the 19th consecutive year.
Cons:
- Limited Availability: Coverage is available in 26 states, which may restrict options for customers residing outside these areas.
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Country Financial
Pros:
- Affordable Rates: Country Financial emphasizes providing affordable rates and offers various discounts, including safe driving and multi-policy discounts.
- Community Involvement: The company is dedicated to community involvement and helping customers achieve financial security.
- Pet Injury Coverage: Country Financial stands out with unique coverage options such as pet injury coverage for additional protection.
- Positive Customer Satisfaction: J.D. Power’s 2021 U.S. Auto Insurance Study ranks Country Financial second in customer satisfaction in the North Central region.
Cons:
- Limited Coverage Area: Coverage is available in 19 states, potentially limiting choices for customers in states where the service is not offered.
Company History and Mission
Auto-Owners was founded in 1916 and has been providing insurance coverage for over 100 years. They pride themselves on providing excellent customer service and offer a range of coverage options, including liability, collision, and comprehensive coverage. Auto-Owners is also known for its financial stability, with an A++ rating from A.M. Best.
Country Financial was founded in 1925 and has been providing insurance coverage for over 95 years. They focus on providing affordable insurance rates and a range of discounts to customers, including safe driving discounts and multi-policy discounts. Country Financial is also known for its community involvement, with a mission to help customers achieve financial security and protect what matters most to them.
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Products and Services
Both Auto-Owners and Country Financial offer a range of products and services to customers, including liability, collision, and comprehensive coverage. They also offer a variety of discounts, such as safe driving discounts, multi-policy discounts, and discounts for using digital tools to manage your policy.
Auto-Owners offers additional coverage options such as roadside assistance, rental car coverage, and glass coverage. They also offer an umbrella policy to provide additional liability coverage beyond your car insurance policy.
Country Financial offers additional coverage options such as pet injury coverage and rental car coverage. They also offer an umbrella policy for additional liability coverage beyond your car insurance policy.
Pricing and Availability
The cost of car insurance can vary depending on several factors, including your driving history, location, and the type of coverage you choose. Auto-Owners and Country Financial both offer competitive rates, but the cost may vary depending on where you live and the coverage you choose.
Auto-Owners offers car insurance coverage in 26 states, while Country Financial offers coverage in 19 states. Be sure to check if they offer coverage in your state before choosing a policy.
Discounts Available to Customers
Auto-Owners Insurance offers a range of discounts to help its customers save money on their car insurance. Some of the discounts include:
- Multi-policy discount: Save money when you bundle your car insurance with other insurance products, such as home or life insurance.
- Safe driver discount: Save money if you have a clean driving record.
- Good student discount: Save money if you have good grades in school.
- Anti-theft device discount: Save money if your car has an anti-theft device installed.
- Paid-in-full discount: Save money if you pay your car insurance premium in full.
Country Financial also offers a range of discounts to help its customers save money on their car insurance. Some of the discounts include:
- Multi-policy discount: Save money when you bundle your car insurance with other insurance products, such as home or life insurance.
- Safe driver discount: Save money if you have a clean driving record.
- Good student discount: Save money if you have good grades in school.
- Anti-theft device discount: Save money if your car has an anti-theft device installed.
- Accident-free discount: Save money if you haven’t had an accident in the last three years.
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Streamlining Experience With Auto-Owners vs. Country Financial Claims Process
Ease of Filing a Claim
Both Auto-Owners and Country Financial offer customers convenient options for filing insurance claims. Policyholders can file claims through online portals, over the phone, or by using mobile apps. This flexibility makes it easy for customers to report incidents and begin the claims process promptly.
Average Claim Processing Time
The speed at which an insurance company processes claims is crucial for customers. Auto-Owners and Country Financial have efficient claims processing systems in place. They strive to handle claims promptly, ensuring that policyholders receive the necessary assistance and compensation in a timely manner.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in evaluating an insurance company’s performance. Both Auto-Owners and Country Financial have received positive feedback regarding their claim resolutions and payouts. Satisfied customers appreciate the companies’ commitment to addressing claims fairly and efficiently.
Exploring Digital and Technological Innovations of Auto-Owners vs. Country Financial
Mobile App Features and Functionality
Auto-Owners and Country Financial offer mobile apps designed to enhance the customer experience. These apps provide policyholders with easy access to their insurance information, including policy details, billing, and claim status. Additionally, users can report claims, view digital ID cards, and receive real-time updates through these user-friendly applications.
Online Account Management Capabilities
Both insurance companies prioritize online account management capabilities, allowing customers to manage their policies and accounts with ease. Policyholders can make payments, update their contact information, and review policy documents through secure online portals. These features empower customers to have greater control over their insurance affairs.
Digital Tools and Resources
Auto-Owners and Country Financial offer a range of digital tools and resources to educate and assist their customers. These tools include online calculators, educational materials, and informative blog posts that help policyholders make informed decisions about their coverage. By leveraging technology, these companies aim to provide valuable insights and support to their clients.
Customer Reviews
Auto-Owners Insurance has a good reputation for its customer service and claims handling. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Auto-Owners Insurance ranks highest in customer satisfaction among auto insurers in the North Central region for the 19th consecutive year.
Country Financial also has a good reputation for its customer service and claims handling. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Country Financial ranks second in customer satisfaction among auto insurers in the North Central region.
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Case Studies: Auto-Owners vs Country Financial Car Insurance
Case Study 1: John’s Experience With Auto-Owners Car Insurance
John, a resident of Michigan, chose Auto-Owners car insurance for its comprehensive coverage and excellent customer service. He was impressed by their roadside assistance and rental car coverage, which provided him with peace of mind during an unexpected breakdown. John also benefited from the multi-car discount offered by Auto-Owners for insuring multiple vehicles.
Case Study 2: Sarah’s Experience With Country Financial Car Insurance
Sarah, a driver from Illinois, opted for Country Financial car insurance due to their affordable rates and range of discounts. She took advantage of the safe driving discount and was pleased with the level of coverage she received at a reasonable price. Sarah appreciated Country Financial’s commitment to community involvement and their mission to help customers achieve financial security.
Case Study 3: Michael’s Comparison of Auto-Owners and Country Financial
Michael, a savvy shopper from Wisconsin, compared Auto-Owners and Country Financial for his car insurance needs. He found that both companies offered competitive rates, but Auto-Owners stood out with their additional coverage options like glass coverage and umbrella policies. On the other hand, Country Financial appealed to Michael with their pet injury coverage, which provided protection for his beloved furry companion.
Frequently Asked Questions
Does Auto-Owners Insurance offer roadside assistance?
Yes, Auto-Owners Insurance offers roadside assistance as an additional service.
What states does Auto-Owners Insurance operate in?
Auto-Owners Insurance operates in 26 states, including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
What states does Country Financial operate in?
Country Financial operates in 19 states, including Arizona, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.
Can I get a quote for car insurance from Auto-Owners Insurance or Country Financial online?
Yes, both Auto-Owners Insurance and Country Financial offer online quotes for car insurance on their respective websites.
What types of additional services does Country Financial offer for car insurance?
In addition to roadside assistance, rental car coverage, and gap coverage, Country Financial also offers pet injury coverage, which covers veterinary expenses if your pet is injured in an accident while riding in your car.
Can I get a discount for having multiple cars insured with Auto-Owners Insurance or Country Financial?
Yes, both Auto-Owners Insurance and Country Financial offer a multi-car discount if you insure multiple cars with them. The amount of the discount varies depending on the state and the number of cars insured.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.