Compare AAA vs. Country Financial Insurance

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AAA and Country Financial have taken different paths to their spots at the pinnacle of the car insurance industry. AAA was founded first in 1902, and Country Financial was founded some 23 years later in 1925. Country Financial offers a variety of discounts--like ones related to defensive driver, engaged couple, and multiple policies. AAA, on the other hand, is known for its roadside services. However, customers are only allowed four service calls in a year. Any after that costs extra.

As for Country Financial, it has a rather limited online quoting system. Still, both companies manage to have efficient and easy-to-use online platforms, so they share at least one positive aspect. With all that said, which company offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Country Financial
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Country Financial
  • You want good discounts and a simple online platform
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited

Special Car Insurance Discounts

AAA Country Financial
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Country Financial

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Country Financial
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Country Financial
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Country Financial
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Country Financial
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Country Financial
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Country Financial
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Country Financial Car Insurance
2016 4
2015 2
2014 2
2013 4

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Country Financial Car Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Above average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Country Financial Car Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Above average Average
Settlement Above average Below average

Financial Strength Ratings

AAA Car Insurance Country Financial Car Insurance
A.M. Best A+ A+
Moody's -- --
S&P's A --

Mobile Apps

AAA Country Financial
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Country Financial

Snap N Send by Country Financial is an app that lets you record your Vehicle Identification Number (VIN) and take photos of the damages to your vehicle. You can then send the photos to Country Financial and get a repair estimate within minutes. To download Snap N Send, click here.

Roadside Assistance

AAA Country Financial
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Country Financial

COUNTRY FINANCIAL Road Service

COUNTRY Road Service coverage on your policy will cover up to $100 for a tow to the nearest service center. Also, pay up to $100 for locksmith services and gas delivery.

Services Covered

  • Towing
  • Locksmith
  • Gas deliver

Contact Phone Number

For towing or other roadside services, you can call 866-COUNTRY (866-268-6879).

Roadside assistance is available 24 hours a day, 7 days a week.