Country Financial vs. Trumbull: Which Company is the Best Fit for You?

Quick Facts

• In general, Country Financial offers significantly less expensive premiums than Trumbull
• Country Financial offers cheaper average rates for policyholders who live in the suburbs
• Trumbull offers more discounts than COUNTRY Financial

Country Financial vs. Trumbull: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Country Financial or Trumbull as your top options, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Trumbull has average rates that are about 45% per month more expensive than those from Country Financial.

That being said, Country Financial may not be the lowest or best option for each driver out there. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on where you live or how old you are (among lots of other factors), you could see wildly different prices from the ones above.

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

Country Financial or Trumbull: Average Car Insurance Rates by State

Country Financial and Trumbull only compete against each other in Arizona, where Country Financial offers the cheaper average premiums. For Arizona residents, Country Financial offers insurance for $151 monthly on average. Trumbull's average rates come out to be over 60% more expensive, at $253 per month.

There's a lot more that goes into your auto insurance cost than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that 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 insurance prices. As you can see above, teens who use Country Financial save nearly $350 a month compared to those who use Trumbull.

But with both companies, you'll see your premiums decrease significantly by the time drivers turn 25. Trumbull offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Country Financial still has the cheapest prices at $139 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best rates for retired drivers between Country Financial and Trumbull? Country Financial gets the edge, with premiums for drivers 65 and older more than 35% more affordable than the national average for Trumbull.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single policyholders than they are for married couples. That's normally because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with premiums around $144 per month less expensive than Trumbull, on average. The advantage is also clear for married drivers - Country Financial offers the lowest average rates.

Country Financial vs. Trumbull: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will typically end up paying a little more.

On average, women see prices about $3 a month more affordable with Country Financial, and around $24 less with Trumbull.

Looking at overall affordability, Country Financial offers the cheapest average premiums for both men and women. On average, women save about $104 per month and men save about $125 with Country Financial compared to the average Trumbull policyholder.

Country Financial or Trumbull: 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Country Financial generally offers significantly cheaper rates of $82 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $200 a month less expensive than Trumbull, on average.

Is Country Financial or Trumbull 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.

Collisions and tickets will most likely raise your premiums, but is Country Financial or Trumbull more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their rates to go up an average of $31 per month if they get a ticket, while Trumbull typically raises prices about $55 a month, on average.

That being said, Country Financial has cheaper rates for drivers in both categories, offering prices that are 45% and 45% more affordable, respectively, compared to Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Country Financial can expect to see around an $42 -- or about 29% -- increase in their insurance premiums. Drivers who use Trumbull for their car insurance will see a monthly bill around $98 (or 34%) more expensive after reporting a collision to their auto insurance carrier.

Overall, Country Financial offers the lowest prices for drivers with an at-fault accident on their records, with monthly rates averaging $147 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Trumbull will climb your premiums about 32% after a DUI, while Country Financial's average prices climb by over 35%.

If you have a DUI on your record and are looking for more affordable rates, Country Financial tends to be the much cheaper option with average premiums of $165 monthly compared to $284 from Trumbull.

How does Credit Score Impact Country Financial and Trumbull Rates?

Did you know that many insurance carriers take into account your credit score when calculating prices? This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking specifically at Country Financial and Trumbull, which company has the best premiums for drivers 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 Country Financial. Policyholders with "excellent" credit can save more than 35% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $89 or 42% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower prices than Trumbull when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $131 per month less with Country Financial compared to Trumbull, and those with "poor" scores typically save an average of around $173 per month.

Is Country Financial or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. Normally, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Country Financial offers less expensive rates than Trumbull. Country Financial's average premiums for drivers with 6,000 annual miles come in just under 45% more affordable than Trumbull. Those who drive 12,000 miles annually can expect to pay over 45% less with Country Financial over Trumbull.

Country Financial vs. Trumbull: 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 auto insurance, but the type of area you live in can have a large impact as well. Usually, 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 roads in those areas.

Country Financial tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Country Financial offers premiums about $175 a month compared to Trumbull's $326. People who live in suburban ZIP codes can expect to pay around $131 a month for Country Financial and $232 for Trumbull. Lastly, those in rural areas tend to get the cheapest rates from both carriers, with average monthly prices coming in at $109 and $202 for Country Financial and Trumbull respectively.

Country Financial vs. Trumbull Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the section below, we've broken down all of the different discounts offered by both Country Financial and Trumbull so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Trumbull blows Country Financial away when it comes to the sheer amount of discounts available, offering seven more discounts than Country Financial.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Trumbull also offers advance quote discounts, companion auto discounts, distant student discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- group discounts, occupation discounts, and simply drive discounts.

Final Thoughts: Is Country Financial or Trumbull Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Country Financial or Trumbull the right one for you and your specific driver profile?

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

• You have below-average credit.
• You're looking for more protection with "full coverage" insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Trumbull might be best for you if...

• You care about discounts (Trumbull offers the most).

We hope this guide has ben a valuable resource as you compare Country Financial and Trumbull. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

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

Country Financial vs. Trumbull FAQs

Is Country Financial or Trumbull cheaper?

Looking just at the national average prices, Country Financial is the less expensive of the two carriers, offering average rates of $138 per month compared to $253 for Trumbull. However, Country Financial won't necessarily be the most affordable carrier for each policyholder, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Trumbull?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Country Financial and Trumbull offer me different rates?

Auto insurance companies take a look at quite a few different factors when determining the rates they charge policyholders. Things such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Trumbull calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Country Financial or Trumbull is right for me?

The only way to find the car insurance company 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Country Financial or Trumbull 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.