Concord Group vs. Countryway: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Concord Group offers less expensive prices than Countryway
• Concord Group offers more affordable average premiums for drivers who have received a ticket within the last few years
• Countryway tends to be a much cheaper option for drivers with a DUI charge on their record

Concord Group vs. Countryway: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Concord Group or Countryway for your next policy, but between the two, which company will save you the most?

As you can see, Countryway has average rates that are about 12% per month more expensive than those from Concord Group when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean Concord Group will be the less expensive option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

Wanting to know if Concord Group or Countryway is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Concord Group or Countryway: Average Car Insurance Rates by State

Concord Group and Countryway only compete against each other in Maine, where Concord Group offers the cheaper average premiums. For Maine residents, Concord Group offers auto insurance for $68 per month on average. Countryway's average prices come out to be over 20% more expensive, at $84 monthly.

There's a lot more that goes into your insurance cost than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Concord Group save more than $10 a month compared to those who use Countryway.

But both carriers will reduce prices once you turn 25. For example, average rates for Concord Group policyholders drop over $80 and Countryway's premiums decrease around $85 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

So, which company offers the best rates to retired drivers? Concord Group gets the edge here, with average prices coming in at about $54 a month compared to Countryway's $65.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married policyholders. This usually boils down to married drivers having multiple cars on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single drivers, with premiums only differing around $7 per month, on average. The advantage for married couples is more obvious, where drivers who use Concord Group save more than 20% a month.

Concord Group vs. Countryway: Average Rates by Gender

Men tend to pay more for car insurance than women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

With Concord Group, men generally pay about $10 per month more than women, while with Countryway, the difference is closer to $5 a month.

When it comes to the most affordable rates for each gender, Concord Group comes out on top for both men and women, with average prices 9% less for men and 16% cheaper for women.

Concord Group or Countryway: 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.

It's no secret that auto insurance can be pretty complicated. There are multiple different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

In this case, Countryway offers the cheapest average premiums for state minimum liability limits, while Concord Group has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $2 with Countryway Insurance Company, while full coverage comes out to be around $20 cheaper with Concord Group Insurance.

Is Concord Group or Countryway Better for Drivers with Spotty Records?

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

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Concord Group policyholders can expect their premiums to go up an average of $9 per month if they get a ticket, while Countryway normally raises prices about $19 a month, on average.

However, Concord Group is typically the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are 17% and 25% cheaper, respectively, compared to Countryway Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Concord Group can expect to see around an $27 -- or about 33% -- increase in their auto insurance prices. Drivers who use Countryway for their car insurance will see a monthly bill around $29 (or 31%) more expensive after reporting an accident to their auto insurance carrier.

Overall, the less expensive premiums come from Concord Group, with monthly rates averaging $82 compared to Countryway Insurance Company's $95.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or ticket. On average, Concord Group will climb your prices about 42% after a DUI, while Countryway's average premiums climb by over 25%.

If you have a DUI on your record and are looking for more affordable prices, Countryway tends to be the much more affordable option with average rates of $91 per month compared to $95 from Concord Group.

How does Credit Score Impact Concord Group and Countryway Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Concord Group and Countryway specifically, which one has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Concord Group. Drivers with "excellent" credit can save 3% compared to Countryway, and those with "good" scores can also expect to see savings -- around $8 or 11% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Concord Group typically offers lower prices than Countryway when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $18 per month less with Concord Group compared to Countryway, and those with "poor" scores usually save an average of around $14 a month.

Is Concord Group or Countryway Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly insurance bill. Generally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

Concord Group tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Countryway's average rates for drivers with 6,000 annual miles come in $10 more expensive than Concord Group. Those who drive 12,000 miles every year can expect to pay over $10 more with Countryway over Concord Group.

Concord Group vs. Countryway: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Concord Group generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Concord Group offers premiums about $81 monthly compared to Countryway's $89. People who live in suburban ZIP codes can expect to pay around $76 a month for Concord Group and $87 for Countryway. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly premiums coming in at $66 and $77 for Concord Group and Countryway respectively.

Concord Group vs. Countryway Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Concord Group and Countryway offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Concord Group knocks Countryway out of the park when it comes to the sheer number of discounts available, offering 13 different discounts to Countryway's six.

A couple of those are overlapping for things like discounts for being a defensive driver. Concord Group also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Countryway does not.

On the flip side, Countryway has a couple unique discounts of its own -- distant student discounts, employee discounts, discounts for being a good student, and more.

Final Thoughts: Is Concord Group or Countryway Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right company for you and your specific profile and needs?

Concord Group might be best for you if....

• You want to save money on your insurance after an accident.
• You already have a great credit score.
• You've started working from home and don't have much of a commute.

Countryway might be best for you if...

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Concord Group and Countryway and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Concord Group and Countryway. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Concord Group vs. Countryway FAQs

Is Concord Group or Countryway cheaper?

Looking just at the national average prices, Concord Group is the less expensive of the two carriers, offering average rates of $74 per month compared to $84 for Countryway. Even so, Concord Group won't necessarily be the lowest company for each policyholder, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Concord Group or Countryway?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for every driver -- it all boils down to your unique insurance profile. For example, Countryway offers cheaper rates for drivers with a recent DUI, while Concord Group is less expensive for drivers with excellent credit.

Why do Concord Group and Countryway offer me different rates?

Auto insurance companies take a look at quite a few different factors when calculating the premiums they charge policyholders. Things such as your driving record, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Concord Group and Countryway use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Concord Group or Countryway is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Concord Group or Countryway 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.