Country Insurance & Financial
402 S 4th St
Effingham, IL 62401-3703
Phone: (217) 342-0465 | Fax: (217) 342-2724
Country Insurance & Financial provides residents of Effingham with advice and guidance when making important insurance decisions. Their office is located at 402 S 4th St or call (217) 342-0465 to speak with an agent. Serving Effingham and the greater Effingham county area.
Looking for insurance agents in Effingham, IL or just trying to lower your premiums? Here are some insurance buying best practices.
- Country Insurance & Financial may be able to help you find the best insurance rates in Illinois. By using a local Effingham insurance agent, you have someone to contact to ask questions, review coverages and help you at claim time.
- Your Effingham auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Effingham home owners can reduce their insurance premiums simply by raising their insurance deductible. A deductible is the amount of money you pay out-of-pocket when you have a homeowners insurance claim. By agreeing to pay a higher amount, your insurance company will reduce your homeowners insurance premium. As long as you don't have frequent claims, the savings on your lower premium could add up to more than the additional deductible you have to pay at claim time.
- Consider taking a driver training course. Many car insurance companies will give you a discount if you've completed a defensive driver course in Illinois. Check with your Effingham agent to find out if that discount exists with your current company.