Foremost Auto Insurance: What You Need To Know

Foremost Insurance Company is a specialty insurance company that is a subsidiary of Farmers Insurance Group of Companies. Foremost offers a wide range of insurance products, including auto insurance, and serves customers in all 50 states and Washington, D.C. The company was founded in 1952 and has since expanded its offerings to include insurance for cars, boats, motorcycles, ATVs, RVs, and more. Foremost's auto insurance policies can be purchased directly or through partnerships with major insurance carriers. The company provides various coverage options, including standard car insurance coverage types and add-ons like rental reimbursement, roadside assistance, and rideshare coverage.

Foremost's auto insurance coverage options

Foremost auto insurance offers a wide range of coverage options, including standard car insurance coverage types and add-ons like rental reimbursement, roadside assistance, rideshare coverage, and gap insurance. Here are some of the key coverage options available:

Uninsured/Underinsured Motorists Coverage

This coverage helps protect you financially if you're in an accident with an at-fault driver who has no insurance or insufficient insurance. It covers expenses incurred due to the accident, such as medical care or property damage, up to the limit of your policy.

Rental Reimbursement

If you need to rent a car while your vehicle is being repaired after a covered loss, Foremost will reimburse you for the rental car expenses for a set number of days, depending on your chosen policy.

Towing and Roadside Service

Foremost's towing and roadside service coverage will help pay for towing and roadside assistance costs if your car breaks down. This includes services such as gas or oil delivery, battery jump-starts, and tire changes.

Bodily Injury and Property Damage Liability

This coverage helps with your legal liability if you're at fault in an accident that involves injury to another person or damage to someone's property. It covers medical expenses and property damage up to the limit of liability selected on your policy.

Collision and Comprehensive Coverage

Collision coverage pays for damages to your vehicle resulting from a collision with another vehicle or object. Comprehensive coverage, on the other hand, protects against non-collision damages, such as theft, fire, vandalism, or natural disasters.

New Vehicle Replacement Coverage

If your newly acquired insured vehicle is involved in a total loss, this coverage will help pay for its replacement with a new vehicle of the same make, size, class, and body type.

Rideshare Coverage

If you use your vehicle for ridesharing services like Uber or Lyft, this coverage will protect you in case of an accident while on the job.

Diminishing Deductible

The diminishing deductible feature reduces your policy deductible by a set amount each year that you don't have a comprehensive or collision claim. This can result in significant savings over time.

Classic Car Coverage

Foremost offers specialized coverage for classic and collectible cars through its partnership with J.C. Taylor, providing tailored insurance solutions for antique and modified vehicles.

Foremost also offers bundling options, allowing you to combine your auto insurance with other insurance products, such as home, renters, or condominium insurance. By bundling policies, you can often benefit from discounts and cost savings.

Customer satisfaction with Foremost's auto insurance

Foremost auto insurance is a specialty insurance company and a subsidiary of Farmers Insurance Group of Companies. It offers a wide range of insurance products, including auto insurance, and serves customers in all 50 states and Washington, D.C.

Customer Satisfaction

Foremost auto insurance has received mixed reviews when it comes to customer satisfaction. On the one hand, Foremost has an AM Best rating of A (Excellent), indicating strong financial stability and a capacity to honour claims. Additionally, they have a low complaint index on the National Association of Insurance Commissioners (NAIC) Complaint Index, suggesting customers are generally happy with their experience.

On the other hand, Foremost has a higher-than-average number of customer complaints filed with the NAIC, and it is not ranked by J.D. Power for customer satisfaction. Some customers have expressed concerns about communication and rate increases, while others have praised the company for its easy claims process and friendly employees.

Pros and Cons of Foremost Auto Insurance

Foremost auto insurance offers several benefits, including:

• A wide range of coverage options, including rental car reimbursement and worldwide liability.
• Bundling options with other insurance products, such as life insurance and pet insurance through related companies.
• Availability in all 50 states and Washington, D.C.
• Various add-on coverages like rental reimbursement, roadside assistance, rideshare coverage, and gap insurance.

However, there are also some drawbacks to consider:

• Quotes and policies are only available through independent agents, which may be inconvenient for those who prefer shopping for insurance online.
• Higher-than-average insurance rates, especially for high-risk drivers.
• Limited digital capabilities, as the mobile app does not allow for claims filing.
• Varying coverage options and discounts depending on the partner company underwriting the policy.

Overall, Foremost auto insurance may be a good option for customers who prefer working with an agent and those who need insurance for specialty vehicles like RVs or mobile homes. However, customers seeking cheaper rates or more digital tools may want to explore other options.

Foremost's auto insurance quote and purchase process

Foremost auto insurance quotes and purchases are available through independent agents. The company's website has a tool to help you find a local agent, who will ask you basic questions about your vehicle, driving history, and other factors to calculate a quote. Quotes and policies are only available through an independent agent.

Foremost auto insurance is likely to be more expensive than the national average, especially if you are a high-risk driver. However, if you have a clean driving record, you may be able to get a much lower rate. Foremost offers a range of coverage options, including rental car reimbursement and worldwide liability, and plenty of bundling options.

The company also offers a diminishing deductible add-on, which lowers your deductible each year that you don't make a claim. Other ways to save with Foremost include good driving, safety device, paperless, multi-car, and multipolicy discounts.

Foremost's auto insurance bundling options

Foremost auto insurance offers a variety of bundling options for customers. As a member of the Farmers Insurance Group, customers can also get life insurance and pet insurance through related companies and save. Foremost offers multi-policy discounts if you purchase multiple policies from them, such as home insurance, renters insurance, or condominium insurance. Customers with additional policies with another Farmers company (Farmers, Bristol West, or Foremost) may be eligible to receive a discount.

Foremost also offers bundling options with their partner companies, including Bristol West, Coast National, Economy Preferred, and Security National. Foremost's auto insurance includes all the standard car insurance coverage types, plus many add-ons like rental reimbursement, roadside assistance, rideshare coverage, and gap insurance.

Foremost's auto insurance discounts

Foremost auto insurance offers a range of discounts to its customers. Here are some of the ways you can save money on their auto insurance policies:

Multi-Car Discount

If you insure more than one vehicle with Foremost, you may qualify for a discount on your premium. This is a great option for families with multiple cars or individuals with more than one vehicle.

Paperless Billing Discount

Foremost offers a discount if you agree to receive your auto insurance documents and billing statements via email. This is a convenient and eco-friendly option that can help you save money.

Multi-Policy Discount

Foremost provides a bundling discount if you have multiple policies with any Farmers-owned company, including Bristol West, Farmers, or Foremost itself. This discount applies even if you have policies with different companies within the Farmers Insurance Group.

Additional Policy Discount

If you purchase a Foremost home, renters, or condominium policy in addition to your auto policy, you may be eligible for additional discounts. This is a great option if you're looking for comprehensive coverage for your home and vehicle.

Mature Driver Discount

Foremost offers a mature driver discount for older drivers, although the specific age criteria for this discount are not mentioned.

Pay-in-Full Discount

Foremost also offers a pay-in-full discount, which means you can save money by paying your premium in one lump sum instead of through instalments.

It's important to note that Foremost's discount opportunities are considered fairly limited compared to other car insurance carriers. The availability of specific discounts may also vary based on the company that underwrites your policy. Therefore, it's always a good idea to speak with a Foremost insurance agent or broker to understand the choices available to you and find the best coverage options that fit your budget and lifestyle.

Frequently asked questions