Lowering Auto Insurance: Country Financial Tips And Tricks

Country Financial offers cheap car insurance rates, with prices that are 29% cheaper than average for full coverage and 33% cheaper for minimum coverage. Customers can also benefit from well-rated customer service. There are several ways to lower your Country Financial auto insurance rates, including discounts for safe driving, devices that make cars safer, being engaged, and having a certain occupation. You can also save money by bundling your home and auto insurance or insuring multiple cars. Newly licensed drivers may also qualify for a discount by completing the Simply Drive Course.

Get a home and auto insurance bundle

Getting a home and auto insurance bundle is a great way to save money on your insurance. This is called a "Multi-Policy Discount" and it can save you hundreds of dollars a year. For example, at Liberty Mutual, new customers save over $950 per year by bundling home and auto insurance. Progressive offers a multi-policy discount for bundling home and auto insurance, which saves customers an average of 5% on auto insurance. Similarly, State Farm offers a discount of up to $1,273 for combining auto and home insurance.

The benefit of bundling your insurance is that you can manage both policies in one place, making it more convenient and giving you less paperwork to deal with. You'll be able to view and download policy documents, securely pay and manage bills, file and track claims, and review coverages and make policy changes all in one place.

You can also bundle other types of insurance with your auto insurance, such as renters, condo, or life insurance, to save even more. The more policies you bundle, the more you can save.

It's important to note that if you cancel one of your bundled policies, you may lose your multi-policy discount. So, before you decide to bundle, make sure you understand the terms and conditions of the discount and the consequences of cancelling a policy.

Insure more than one car

Insuring multiple cars under one policy is a great way to save money on car insurance. Here's what you need to know about multi-car insurance:

Multi-Car Insurance Basics

Multi-car insurance allows you to insure multiple cars on a single policy, even if they are registered at different addresses or owned by different people. This type of insurance is perfect for couples with multiple cars or families with several cars. By having multiple cars on one policy, you can take advantage of discounts and save money on your overall insurance costs.

Benefits of Multi-Car Insurance

One of the biggest benefits of multi-car insurance is the cost savings. Each additional car you add to the policy receives a discount, and you only need to manage one policy with a single set of documents. Additionally, each car's No Claim Discount (NCD) is kept separate, so if one car makes a claim, the NCD of the other cars on the policy is not affected. This means that each car can build up its own NCD independently.

Policy Details

When adding cars to a multi-car insurance policy, it's important to note that each car will have its own level of cover, excess, and optional add-ons. The policy will also have one renewal date for all cars, so you won't have to worry about managing multiple renewal dates. However, the renewal bill may be larger as you will be paying for all cars at once.

Eligibility

To be eligible for multi-car insurance, the insured cars must be private vehicles, such as camper vans or classic cars, and not company or commercial vehicles. Additionally, some insurance providers may require all cars to be registered at the same address, while others allow cars from multiple addresses. It's important to check with your insurance provider about their specific requirements.

Number of Cars

The number of cars you can add to a multi-car policy varies depending on the insurance provider. Some companies allow up to five cars, while others let you insure up to seven cars online and up to 20 cars by contacting their customer support.

Adding and Removing Cars

With multi-car insurance, you have the flexibility to add or remove cars from the policy at any time. When adding a new car, it will receive a discount, and its renewal date will align with the other cars on the policy. However, there may be a cancellation fee for removing a car before the end of the policy.

Managing the Policy

Most insurance providers offer online tools or apps that allow you to manage your multi-car policy easily. You can view and pay your bill, file and track claims, update your contact information, and make changes to your policy as needed.

Complete an online course for new drivers

Completing an online course for new drivers is a great way to lower your Country Financial auto insurance. The Simply Drive Course offered by Country Financial is a comprehensive program that can help new drivers improve their skills and knowledge, leading to safer driving habits and reduced insurance rates.

The Simply Drive Course is designed to provide new drivers with the necessary tools and information to navigate the roads confidently and securely. The course covers a range of topics, including safe driving techniques, traffic rules and regulations, and how to handle different driving conditions. By enrolling in this course, new drivers can enhance their understanding of road safety and develop good driving habits that will stay with them for life.

One of the key benefits of completing the Simply Drive Course is the potential insurance discount. Country Financial recognizes the reduced risk associated with better-educated drivers and rewards those who take proactive steps to improve their driving skills. Newly licensed drivers who complete this course may qualify for a significant discount on their auto insurance, making it more affordable to stay protected on the road.

The course is easily accessible and can be completed at the learner's own pace. It is designed to engage and educate, ensuring that new drivers not only gain valuable knowledge but also enjoy the learning process. By investing in their driving education, new drivers can not only enhance their safety behind the wheel but also take control of their financial responsibilities by reducing their insurance costs.

Taking the Simply Drive Course demonstrates a commitment to safe driving and can have a positive impact on insurance rates. It empowers new drivers with the skills and confidence to make better decisions on the road, reducing the risk of accidents and claims. So, if you're looking to lower your Country Financial auto insurance, enrolling in the Simply Drive Course is a smart and effective step towards achieving that goal.

Get a quote before your current policy ends

Getting a quote for a new insurance policy before your current one ends is a great way to ensure you get the best deal. It's also a good opportunity to review your coverage and make sure it still meets your needs. Here are some tips to help you get started:

Know What You Need

Before you start shopping for a new policy, take some time to review your current coverage and think about whether it still meets your needs. Have there been any changes in your life that might impact your insurance needs? For example, if you've recently bought a new car, you'll want to make sure you have comprehensive coverage in case of an accident. Or, if you've started working from home, you might be able to get a lower rate because you're driving less.

Research and Compare

When you're ready to start shopping, it's important to compare quotes from multiple insurers. You can do this by reaching out to individual companies or by using an online comparison site. Make sure you're comparing similar coverage levels and deductibles so you can get an accurate idea of the price difference. Also, be sure to research the reputation of the insurer, including their claims satisfaction and customer complaints record.

Gather the Necessary Information

To get an accurate quote, you'll need to provide some basic information about yourself and your vehicle. This includes your driver's license and personal information (date of birth, address, occupation, marital status), as well as details about your car (Vehicle Identification Number, year, make, and model). You may also need to provide information about your driving history, such as any tickets or accidents.

Understand the Factors That Affect Your Rate

When you're reviewing your quotes, it's helpful to understand the factors that influence your insurance rate. These can include your age, gender, driving history, the type of car you drive, and your location. Knowing these factors can help you identify areas where you might be able to get a better deal, such as by improving your driving record or choosing a car with better safety features.

Ask About Discounts

Many insurance companies offer discounts that can help lower your rate. For example, you might be able to get a discount for being a good driver, a good student, or a long-time customer. You may also be able to save by bundling your auto insurance with another type of insurance, such as homeowners or life insurance. Be sure to ask about any available discounts when you're getting your quotes.

Install an anti-theft device

Installing an anti-theft device is a great way to lower your car insurance premiums. These devices help prevent auto theft, which benefits both you and your insurance company. With an anti-theft device, your car is less likely to be stolen, and your insurance company is less likely to have to pay for a replacement. As a result, many insurers offer discounts to customers who install these devices.

There are two main types of anti-theft devices: passive and active. Passive devices work automatically when you turn off your vehicle, such as automatic locks and vehicle tracking systems. Active devices, on the other hand, require manual activation before they can protect your car, such as steering wheel locks and remote locks. You can use these devices individually or in combination for more comprehensive protection.

When choosing an anti-theft device, consider your budget and the security features already installed in your car. Basic alarm systems are budget-friendly, while high-tech devices like GPS tracking may be more expensive. It's also important to consider the location of your residence and workplace. If car thefts are common in your area, investing in a more advanced anti-theft device is advisable.

Some specific examples of anti-theft devices include:

• Steering wheel locks: These locks immobilize your steering wheel, preventing thieves from driving off with your car.
• Brake locks: This device is attached to your brake pedal or steering wheel, making it impossible to push down on the gas pedal until it is disabled.
• Kill switches: A kill switch is installed in a hidden location in your car and cuts off electricity to the ignition switch, preventing thieves from starting the vehicle.
• Vehicle tracking systems: Devices like OnStar and LoJack help you locate your car through GPS if it is stolen.
• Faraday cases: These cases block radio signals, preventing thieves from using a signal booster to replicate your key fob and break into your car.

By installing an anti-theft device, you not only enhance the security of your vehicle but also demonstrate to your insurance company that you are a responsible car owner. This can lead to significant savings on your insurance premiums over time. Remember to inform your insurance provider about the installation of these devices and inquire about any available discounts.

Frequently asked questions