Ways to Explore Car Insurance Savings
Explore potential ways to approach car insurance costs through safe driving habits, available discounts and coverage decisions based on your situation.
Car Insurance Discounts
Featured car insurance discounts
Multi-Policy Discount
You could qualify for the Multi-Policy Discount if you have at least an auto insurance and a home insurance policy with us. You can add others, too, like life insurance, disability income, or a COUNTRY Trust Bank® account or Annuity product with a balance of over $1,000.
COUNTRY Financial® DriverIQTM
DriverIQ is a telematics program that monitors your driving behavior using a smartphone app. Enrolled drivers receive a 10%¹ introductory discount on their car insurance, and their discount may range from 1% to 25% at each renewal based on driving performance in three areas: braking, phone use while driving and speeding.
Occupation Discount
Certain jobs are vital to the communities we serve. That's why we offer an Occupation Discount to full-time K-12 teachers, firefighters, police officers, EMTs or paramedics. Learn more about the Occupation Discount for teachers or the Occupation Discount for firefighters, police officers, EMTs and paramedics.
Simply Drive® Discount
Teen drivers have accidents at higher rates, which means they cost more to insure. Completing the Simply Drive course may qualify you for a car insurance discount, while also helping your teen develop safer driving habits.
Loyalty discounts
Multi-Car Discount
You can save money with our Multi-Car Discount if you insure two or more cars with us. This could be apply to you if you're a parent with a teen driver looking to add another car for them.
Legacy Discount
As a parent, you may want to leave a legacy to your children. With our Legacy Discount, you can start early by passing on your Multi-Car Discount and Multi-Policy Discount to them. If you qualify for those discounts and have unmarried drivers under 25 in your family, they may also be eligible for the discounts, even if they don't live in your home.
Driver discounts
Engaged Couple Discount
Weddings are expensive. If you’re planning yours and looking to save anywhere you can, how about a break on car insurance? You could qualify for our Engaged Couple Discount if:
- You’re engaged
- Your wedding date is within the next year
- Both you and your fiancé are ages 21-29
- You and your fiancé’s cars are insured with us
Contact a COUNTRY Financial representative to learn more.
Good Student Discount
Full-time students with at least a B grade point average may qualify for the Good Student Discount, which could result in savings of up to 35% on car insurance.
Recent college graduates under 25 may also be eligible for a car insurance discount. Submitting your college transcripts or diploma to a COUNTRY Financial representative is the starting point for this discount.
Good Driver Discount
We believe good drivers should save money on auto insurance. If you've had no accidents or traffic tickets in three years, you may qualify for our Good Driver Discount and save on your car insurance.
Advanced Quote Discount
Looking for a new car insurance provider? As long as your current policy is still active, get a quote with COUNTRY Financial before it expires to qualify for our Advanced Quote Discount.
Along with a discounted rate, you could get everything else our customers love about us, like quality car insurance coverage and outstanding claim service.
Safety discounts
Defensive Driver Discount
Complete a state-approved motor vehicle defensive driving course and you may be eligible for a discount. This is a great option for teens, but you don't need to be a new driver to qualify. And you can requalify for the discount by retaking the defensive driving course. Talk with your insurance agent to see if you qualify.
Anti-Theft Discount
In select states, car insurance discounts may be available for vehicles equipped with theft-deterrent systems, like alarms or anti-theft devices. If your car has anti-theft tech and lives in one of those states, you could save on comprehensive coverage.
Frequently asked questions
COUNTRY Financial offers car insurance discounts in several categories. Safe driver discounts include COUNTRY Financial DriverIQ (a telematics program that may result in a discount of 1% to 25% at renewal based on driving behavior) and the Good Driver Discount for drivers with no accidents or violations in three years. Student discounts include the Good Student Discount for full-time students with a B average or higher and a discount for recent college graduates under 25. Multi-policy and loyalty discounts include the Multi-Policy Discount for combining qualifying policies, the Multi-Car Discount for insuring two or more vehicles and the Legacy Discount for passing discounts to qualifying family members. An Occupation Discount is available for full-time K-12 teachers, firefighters, police officers, EMTs or paramedics. Additional discounts include the Simply Drive Discount for newly licensed teens, the Engaged Couple Discount, the Advanced Quote Discount, the Defensive Driver Discount and the Anti-Theft Discount, which is available in select states. Discounts and availability vary by state.
Lowering your car insurance rate at COUNTRY Financial may involve qualifying for available discounts and reviewing your coverage. Enrolling in the COUNTRY Financial DriverIQ telematics program may result in a discount of 1% to 25% based on your driving behavior. Maintaining a clean driving record for three or more years may qualify you for the Good Driver Discount. Combining your auto policy with home, life or other qualifying products may qualify you for the Multi-Policy Discount. Insuring two or more vehicles on the same policy may qualify you for the Multi-Car Discount. Completing a state-approved defensive driving course may also result in a discount. A COUNTRY Financial representative can review your policy and identify which discounts may apply to your specific situation.
The Good Student Discount is available to full-time students who maintain at least a B grade point average. Qualifying students may save up to 35% on their car insurance. Recent college graduates under 25 may also be eligible for a separate car insurance discount by submitting their college transcripts or diploma to a COUNTRY Financial representative. Discount availability and amounts vary by state.
Eligibility for car insurance discounts depends on your driving record, household situation, occupation and the types of coverage you carry. Drivers with a clean record for three or more years may qualify for the Good Driver Discount. Students with a B average or higher may qualify for the Good Student Discount. Combining qualifying policies may qualify you for the Multi-Policy Discount. Insuring multiple vehicles may qualify you for the Multi-Car Discount. Teachers, firefighters, police officers, EMTs and paramedics may qualify for an Occupation Discount. Newly licensed teen drivers who complete the Simply Drive course may also qualify for a discount. Because discounts and availability vary by state, a COUNTRY Financial representative can confirm which discounts may apply to your specific policy.
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Discounts and availability vary by state.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
For more information, read our COUNTRY Financial DriverIQ Terms & Conditions.
For product and service information, read our Terms & Conditions. Read our full Financial Services Handbook.