Is Country Financial Roadside Assistance Worth It?

How does Country Financial’s roadside assistance measure up to competition like AAA? Let’s break this down.
Written by Melanie Krieps Mergen
Reviewed by Kathleen Flear
Country Financial customers can add roadside assistance coverage to be reimbursed up to $100 for applicable services. But you’ll need to arrange the services yourself and pay for them upfront initially.
  • While some
    car insurance
    providers work with their own roadside assistance service providers, Country Financial has you arrange your own services, then reimburses you later.
  • Country Financial will reimburse you up to $100 for qualifying roadside assistance services.
  • Adding roadside assistance coverage to a car insurance policy can generally cost an additional $15 to $150 per year.

What does Country Financial roadside assistance cover?

Country Financial’s roadside assistance coverage—also known as
towing and labor coverage
— will reimburse you up to $100 for the following types of urgent roadside services:
  • Towing services: Unexpected vehicle breakdowns can be unnerving, but getting a tow to a nearby auto shop can be a huge relief.
  • Battery jump starts: If your car battery dies without warning, a local service provider can bring out their cables and help you give it a
  • Fuel delivery: If you skipped one gas station too many, a fuel delivery can fill up your tank and get you on your way again. Please note that the cost of the fuel is not included. 
  • Winching services: If your vehicle’s gotten stuck in a tough spot, winching can help get your car out of the ditch and back onto the paved path.
  • Locksmith services: If you lost your keys or locked them inside your car, locksmith services can help you regain access.
  • Flat tire changes: Have a flat tire but don’t know how to
    put the spare on
    yourself? Roadside assistance can help you with your
    tire change
    . (If you don’t have your own spare, you’ll need to pay for the replacement.) 
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How to use Country Financial’s roadside assistance program

While some car insurance providers have their own dedicated roadside assistance line, Country Financial’s roadside assistance coverage requires you to locate a local towing company for assistance, then reimburses you after the fact.
That means you may need to do a quick internet search for "towing near me" if you’re away from home. So when it comes to your local area, it might help to keep a few reputable towing services in your contacts to help make an already hectic situation more manageable.
To sum it up, here’s how Country Financial’s roadside assistance works:
  • Choose a local service provider of your choice
  • Pay out of pocket for the service(s) rendered
  • File a claim for reimbursement by logging into your Country Financial account or by phone
MORE: What to do when your car is stuck in snow   

How much does Country Financial roadside assistance cost?

Depending on your provider, roadside assistance coverage can generally cost between $15 and $150 per year
For comparison, one of the cheapest roadside assistance programs offered by a major car insurance provider is
, which can cost as low as $14 per year. Amica’s roadside assistance can cost $12 to $60 per year, while
can cost between $30 and $100. Meanwhile,
AAA memberships
can start as low as $59.99 annually, but the actual cost will depend on your location and the membership level you choose.
To find out how much it would cost to add roadside assistance to your existing Country Financial car insurance policy, you can contact your agent, then compare their quote with options from other roadside assistance coverage providers.

Country Financial roadside assistance vs. AAA

So, what sets Country Financial’s roadside assistance apart from AAA?
One key difference between most car insurance policies and an AAA membership is that car insurance usually follows the car it insures rather than the driver, while AAA roadside assistance services can apply to virtually any vehicle where the member is a driver or passenger.
Another distinguishing factor is that AAA offers three tiered coverage levels: Classic, Plus, and Premier. Depending on which option you choose, you can enjoy additional benefits like up to 200 miles of towing (compared to the Classic limit of three to five miles), discounts on hotels, identity theft monitoring, and a free one-day car rental for qualifying tows.
AAA also offers an extra layer of convenience since you can call their roadside assistance line 24/7 rather than having to hunt down a tow truck yourself. But if you need a tow locally and already have a preferred service provider in mind, that might not be much of an issue for you.
If you’re looking for roadside assistance coverage that can send out service providers for you on your behalf, AAA or another car insurance provider who does so will probably be more helpful. AAA may also be more appealing if you can benefit from its additional membership perks.
But if you’d prefer to keep your roadside assistance coverage with your car insurance provider and you’re okay with the reimbursement process and DIY towing company search, Country Financial’s coverage will suit your needs just fine.
“I was tired of looking around multiple websites, so I decided to give
a try. Let me tell you—the process is so easy and simple, and they really find you the best prices for your coverage level. Getting insurance for my new car was quick and easy!” —Joanna D.
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You won’t need to file a claim to receive roadside assistance through Country Financial since they require you to seek out and initially pay for the actual services yourself. You will, however, need to file a claim for reimbursement after the fact.
Yes, you need to be a Country Financial customer to take advantage of its roadside assistance coverage. If you add it to your policy, Country Financial will reimburse you up to $100 for qualifying services.
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