American Access Casualty Company vs. Country Financial: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Country Financial offers significantly less expensive prices than American Access Casualty Company
• Country Financial tends to be a much cheaper option for residents of urban areas
• Country Financial offers more affordable premiums for drivers who have received a ticket within the last few years

American Access Casualty Company vs. Country Financial: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to American Access Casualty Company or Country Financial, but which company will save you the most?

Looking at the national average rates for both companies, Country Financial is quite a bit cheaper than American Access Casualty Company, with rates averaging $138 per month compared to $279 with American Access Casualty Company.

That being said, Country Financial may not be the lowest or best option for every single driver out there. Insurance carriers use a variety of complex algorithms to calculate prices, so depending on where you live or how clean your driving record is (among an array of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American Access Casualty Company or Country Financial is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

American Access Casualty Company or Country Financial: Average Car Insurance Rates by State

American Access Casualty Company and Country Financial only compete against each other in Nevada, where Country Financial offers the cheaper average premiums. For Nevada residents, Country Financial offers car insurance for $134 per month on average. American Access Casualty Company's average rates come out to be over 70% more expensive, at $279 monthly.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Country Financial save nearly $500 a month compared to those who use American Access Casualty Company.

But both companies will offer you dramatically lower premiums once you turn 25. Country Financial offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. American Access Casualty Company's average rates reduce almost 70% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

But who has the best premiums for retired drivers between American Access Casualty Company and Country Financial? Country Financial gets the edge, with rates for drivers 65 and older $91 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married drivers than they are for single policyholders. That's because policies for married policyholders typically cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Country Financial is the clear winner for those who are single, with prices about $183 per month less expensive than American Access Casualty Company, on average. The advantage for married couples with Country Financial is also obvious, where drivers save nearly 45% a month.

American Access Casualty Company vs. Country Financial: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for car insurance than women.

On average, men see premiums almost 10% per month higher with American Access Casualty Company, and around 2% more with Country Financial.

When it comes to the lowest prices for each gender, Country Financial comes out on top for both men and women. On average, male drivers save about $153 a month and women save about $128 with Country Financial compared to the average American Access Casualty Company policyholder.

American Access Casualty Company or Country Financial: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability limits, Country Financial generally offers significantly more affordable rates of $82 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $150 per month cheaper than American Access Casualty Company, on average.

Is American Access Casualty Company or Country Financial Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your prices, but is American Access Casualty Company or Country Financial more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their rates to go up an average of $23 a month if they get a ticket, while Country Financial usually raises premiums about $31 per month, on average.

Even so, Country Financial has less expensive prices for drivers in both categories, offering rates that are $132 and $124 more affordable, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in a collision can expect to see their premiums climb by $95, while those who have insurance through Country Financial will see around a $40 increase.

Overall, the less expensive rates come from Country Financial, with monthly premiums averaging $147 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. Country Financial drivers usually see a 36% increase in their insurance prices after a DUI charge, while American Access Casualty Company will generally climb premiums by about 18%.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much cheaper option with average rates of $165 a month compared to $288 from American Access Casualty Company.

How does Credit Score Impact American Access Casualty Company and Country Financial Rates?

Did you know that many car insurance companies take into account your credit score when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of policyholders out there.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

So, which carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company or Country Financial Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? Typically, the more miles you put on your car each year, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive 6,000 miles yearly paying around $2 less each month compared to those who drive 12,000 miles every year. Still, Country Financial is the less expensive option for drivers in both categories.

American Access Casualty Company vs. Country Financial: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for auto insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Country Financial boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, COUNTRY Financial's average premiums are about $236 less than American Access Casualty Company. Drivers in suburban ZIP codes pay around $14 less with Country Financial compared to American Access Casualty Company. If you live in a rural area, you can expect to save about $173 with Country Financial compared to American Access Casualty Company.

American Access Casualty Company vs. Country Financial Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've taken a look at all of the different discounts American Access Casualty Company and Country Financial offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Country Financial comes out ahead with 10 discounts to American Access Casualty Company's six.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver and passive restraint discounts -- but Country Financial also offers anti-theft discounts, driver training discounts, good student discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a couple unique discounts of its own -- discounts for being a good driver, discounts for insuring multiple cars with the same company, prior insurance discounts, and more.

Final Thoughts: Is American Access Casualty Company or Country Financial Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the best one for you and your specific profile and needs?

Country Financial might be best for you if....

• You've been pulled over for speeding recently.
• You want basic auto insurance coverage at the state minimum limits.
• You are purchasing your car insurance with a spouse.

American Access Casualty Company might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between American Access Casualty Company and Country Financial and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just American Access Casualty Company and Country Financial. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

American Access Casualty Company vs. Country Financial FAQs

Is American Access Casualty Company or Country Financial cheaper?

Looking just at the national average prices, Country Financial is the cheaper of the two carriers, offering average rates of $138 a month compared to $279 for American Access Casualty Company. That being said, Country Financial won't necessarily be the most affordable carrier for everyone, since there are many different variables that are considered when it comes to your auto insurance payment.

Who is better, American Access Casualty Company or Country Financial?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like.

Why do American Access Casualty Company and Country Financial offer me different rates?

Insurance companies take a look at several different factors when determining the premiums they charge drivers. Variables like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both American Access Casualty Company and Country Financial calculate rates using different factors, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if American Access Casualty Company or Country Financial is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be American Access Casualty Company or Country Financial at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.