Compare Esurance vs. Country Financial Insurance

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Esurance and Country Financial are two popular companies in the auto insurance world. Esurance was founded in 1999, and Country Financial was founded in 1925. Country Financial’s main emphasis is on offering auto insurance to rural clients, but it still offers wide range of auto discounts and has good ratings across the board. Its strength lies in its smooth and helpful claims process and customer service, while Esurance’s strengths are in its strong online platform and broad, unique selection of discounts.

So which one 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

  Esurance Country Financial
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Country Financial
  • You want good discounts and a simple online platform
Worst If Esurance
  • You want excellent roadside assistance
Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited

Special Car Insurance Discounts

Esurance Country Financial
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Country Financial

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Country Financial
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance 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 Esurance Country Financial
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Country Financial
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Country Financial
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Country Financial
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance Country Financial Car Insurance
2016 48 4
2015 67 2
2014 47 2
2013 43 4

U.S. Auto Insurance Shopping Study (2016)

Esurance Country Financial Car Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance Country Financial
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

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

Esurance Country Financial
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.