Intro to Auto Insurance
Accidents happen. When they do, having the right auto insurance can make a big difference.
Most states require a minimum amount of insurance. And if you have a loan on your car, you may have to carry specific coverage. The rest is up to you. Do you know what “the rest” is? We do. Let us help you understand the coverage you have and determine where your gaps are.
Physical Damage provides protection for damage to your vehicle if you have a covered accident, and you choose a deductible for each coverage. Your deductible is the amount you’re responsible for each time you have a covered claim. Your insurance costs will be lower with a higher deductible, but your costs at claim time will be higher.
Coverage for damage to your vehicle in situations like hitting another car or getting into a single vehicle accident
Deductible choices: $502, $100, $250, $500, $1,000
Coverage for your vehicle from claims like theft, vandalism, hail, and falling objects
Deductible choices: $0, $502, $100, $250, $500, $1,000
Uninsured Motorists Property Damage
Pays the amount you’re legally entitled to recover for damages to your vehicle in a covered accident caused by someone who does not have insurance or by a hit-and-run motor vehicle. In some states identification of the hit-and-run driver is required. Coverage, deductible and availability varies by state
Liability and Medical Insurance
Liability insurance can protect you if you’re at fault in an accident and responsible for injuries to others or damage to property. Medical costs and lawsuits can be costly, so it’s important to carry the right coverage limits for your situation . Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.
More about Liability
Auto insurance divides liability coverage into two parts:
Bodily Injury coverage protects you for the cost of injuries you may cause to someone else, up to the coverage limits you choose.
Property Damage coverage protects you for the cost of damage you may cause to the property of others, up to the coverage limit you choose.
More about Medical
Medical Payments coverage provides protection for you and your passenger(s) if you get in a covered accident causing injuries, regardless of fault. It pays medical bills you or your passengers have within two years1 of a covered accident.
Personal Injury Protection2 provides coverage for certain expenses related to injuries from an accident such as lost wages and child care expenses.
Uninsured and Underinsured Motorist Protection
This coverage gives you protection for injuries you experience if an uninsured or underinsured driver is at fault.
Pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and doesn’t have insurance. This coverage is for injuries, not damage to your vehicle.
Pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and does not have enough insurance to pay the damages for those injuries.
We want to provide you with quality auto insurance at an affordable price. So we offer several auto insurance discounts to help you save money. (Availability and amount of discounts vary by state.)
Talk to your COUNTRY Financial representative to see if you qualify for:
Advance Quote Discount
New customers who receive an auto quote before their current active policy expires could save up to 5%.
Vehicles equipped with an alarm or anti-theft device may save you up to 15% on your Comprehensive Coverage.
Defensive Driver Discount
Successfully complete a state-approved motor vehicle defensive driving course, and you may be eligible for a discount of up to 5%.
Discounts for Teens
Insurance is often expensive for young drivers. So we offer specific discounts for them to help with those costs.
Engaged Couple Discount
If you’re engaged to be married within 12 months, one of you is at least 21 years old, and you insure all eligible vehicles with COUNTRY, you may qualify for up to 25% discount.
Good Driver Discount
If you go three years with no accidents or traffic tickets, you may qualify for up to 26% savings.
Good Student and College Graduate Discount
Full-time students with at least a B grade point average or college graduates regardless of GPA could save up to 30%.
When parents qualify for a Multi-Car and Multi-Policy discount, unmarried drivers in the family under the age of 25 may be eligible for a discount of up to 25%.
Insure two or more cars with COUNTRY Financial and save up to 30%. When parents qualify for this discount, it can be extended to unmarried drivers under age 25 who live away from home.
Save up to 25% if you have auto insurance or another qualifying policy or investment product with us. The discount may also be extended to unmarried children under age 25 who live away from home.
Full-time teachers of grades K-12 may be eligible for up to a 10% discount. Firefighters, police officers, EMTs and paramedics may save up to 5%.
Additional Coverage Options
We offer several other options to customize your auto insurance coverage and give you peace of mind on the road.
Emergency Road Service
If you’re ever stranded on the road or lock your keys in your car, help is a phone call away, 24 hours a day. It reimburses you up to $100 total for towing, delivery of motor fuel and repair parts, and labor charges at the place you’re stranded.
Vehicle Rental and Trip Interruption
Reimburses up to $800 for a rental car if you have a covered loss; coverage also applies to travel expenses you have, like transportation, lodging, and meals, if you have an accident more than 100 miles from home. Dollar limit varies by state.
Safety Glass Coverage
Waives your comprehensive deductible for the cost of repairing or replacing glass in your car, like windshields, windows, and light covers.
Personal Effects Coverage
Protects certain valuables in your car, like music equipment and electronics, up to $800. A $100 deductible applies.
Special Tenants Coverage for Renters
Designed for renters with basic needs, this provides you with renters insurance on your auto policy, instead of having to buy a separate renters insurance policy. You’ll have coverage for your stuff up to $20,000 and a $250 deductible.
If you’d like more liability insurance than what your auto policy provides, you can purchase umbrella insurance and get extra coverage up to $1 million or more.
The Keeper® - New Car Coverage
If your car suffers severe damage, most insurance will pay for repairs up to the car’s current market value. With The Keeper, we’ll pay for a brand new car, same make and model, depending on the amount of damage. The Keeper protects newer vehicles up to four model years3 for collision and comprehensive damage other than theft, fire and larceny — talk to a COUNTRY Financial representative to get all the details.
Explore and Learn More
Our auto tools are a fun and simple way to learn more about road safety and car insurance. Whether you’re in the market for a new car, want to review your good driving skills or are trying to figure out if your insurance has you covered, our auto insurance calculators will help you get started in the right direction.
You’re in the market for a new car, but how much will it cost to get your favorite one off the lot? This car buying calculator will show you the amount you may need based on the annual interest rate, loan terms and what you’re willing to pay for the down payment and monthly payment.
With a teen driver in your family, it doesn’t hurt to have a little luck on your side. It also doesn’t hurt to have information. As you prepare for this exciting milestone in your teen’s life, you’ve probably got a few questions about car insurance for teens. We’re here to help.
For product and service information, read our Terms & Conditions.
Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company®, and COUNTRY Casualty Insurance Company®, Bloomington, IL.
Discount applies to bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision coverages. Coverage, discount amount and availability vary by state.
1 In GA and ID, three years
2 Not available in all states.
3 Vehicles four model years old and older are also protected in AZ. Limitations apply in AZ.
Minnesota policyholder surcharge information: