Why should you insure your car with Cotton States?

Your satisfaction is important to us, so you can rely on the Cotton States Insurance® group and its affiliates to deliver top-quality insurance and to stand behind what we promise.

Here’s what you can expect:   

  • Personal service from a financial representative, who will help you select the insurance that is right for you and your family.
  • Quick, no-hassle claims handling. It’s not unusual to receive a check the same day.
  • Unique protection for your newer vehicle. The Keeper® repair or replacement cost coverage can give you “new-car value” for up to four model years.
  • You can report a claim, receive immediate roadside assistance or just ask a question 24 hours a day, seven days a week. And you’ll get straight answers from a knowledgeable person, instead of talking to a machine.
  • Reliable financial strength. Our auto insurance companies are rated A+ Superior by A.M. Best, an independent, highly respected insurance industry analyst.1
  • High liability protection. You can purchase up to $500,000 per person and $1 million per occurrence for bodily injury, and up to $500,000 for property damage.
  • Up to $100,000 per person for medical expenses.
  • Valuable protection to cover damage to your vehicle.

Save money on some of the best auto protection around by qualifying for these discounts:2

Multi Policy Discount – When you insure both your car and home with us, you can receive a discount on both policies. Plus, you can save even more if you also have a qualifying life, long term care or  isability  income policy with us.3

  • Select Customer Discount – You may qualify for this discount if you meet our age requirements and have a clean driving record.
  • Safe Driver Discount – Save up to 25 percent if you have not had an accident or received any traffic tickets for three years.
  • Good Student/College Graduate Discounts – High school or college students who maintain a B or better average, or college graduates can qualify for money-saving discounts.4
  • Multi-Car Discount – You may also save money if you insure two or more vehicles with Cotton States and its affiliates.
  • Engaged Couple Discount – If you are a youthful driver and engaged to be married within six months, you may qualify for a discount. Ask a Cotton States financial representative for details. (Not available in GA.)

1 Best’s Insurance Reports, 2008.
2 Unless otherwise noted, discounts apply to bodily injury, property damage, medical payments, comprehensive and
collision coverages. Availability and amount of discounts may vary by state and issuing company.
3 Policies issued by COUNTRY Life Insurance Company®, Bloomington, IL or Cotton States Life Insurance Company, Atlanta, GA or
their insurance subsidiaries.
4 Qualifications may vary by state.