Have you ever considered buying insurance with Foremost? It’s not one of the most popular names out there, but based on Foremost car insurance reviews and ratings, it might be the right fit for you. Let’s take a closer look at Foremost car insurance, including coverage, claims and customer reviews, to see if the company meets your needs.
Whenever you’re shopping for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, the make and model of your vehicle, and your driving history can affect your premium. Therefore, what is best for your neighbor may not be best for you.
To start comparing personalized car insurance quotes, use our tool below or call (844) 246-8209.
Foremost auto insurance at a glance
As with most auto insurance companies, Foremost has its pros and cons. Here are some of the top reasons to consider this provider and what to look out for.
Foremost Insurance Group is a provider that is part of the Farmers Auto Insurance group of companies. It has been in business since 1952 and was acquired by Farmers in 2000. Today the company is based in Grand Rapids, Michigan. In addition to automobiles, Foremost offers insurance for the following:
- Mobile homes
- Travel trailers
- Specialized housing
- off-road vehicles
For auto cover, Foremost relies on Bristol West for underwriting. In some states it also uses the Coast National Insurance Company or the Security National Insurance Company.
First and foremost auto insurance coverage
Top tier auto insurance is available in every state except Massachusetts and Hawaii. In addition to liability coverage, medical payment coverage, and uninsured/underinsured motorist coverage, Foremost offers the following options.
The cost of the most important coverage
With Foremost car insurance, the following discounts are available:
Although Foremost offers a variety of discounts, we’re not sure you’ll save money with this car insurance company over another. Bristol West, the underwriter of Foremost auto insurance, tends to have higher rates than many of our top picks. The only way to get an accurate depiction of coverage, however, is to get a free quote for yourself.
Like other insurance companies, Foremost uses the following information to determine your rate.
- Driving record
- Duration of continuous insurance cover
- Policy limits/deductible amount
- Credit score
- Your location
- Type of vehicle you drive
- How many kilometers do you travel
The biggest complaint with Foremost car insurance is that you have to contact an insurance agent to get a quote or start coverage. You cannot get free insurance quotes online, but you must speak to an agent in your area. But you may not have a local agent in your area, which makes it difficult to contact Foremost in many cases.
To start comparing car insurance quotes, use our tool below or call (844) 246-8209:
To file a Foremost car insurance claim, you can call or fill out an online form. From there, you can track the complaint with the online complaints center. Although Foremost was not included in JD Power’s 2021 U.S. Automotive Claims Satisfaction Study, we see Farmers on the list ranking among the top vendors.
Foremost Car Insurance Reviews and Ratings
Before we get into Foremost car insurance reviews, let’s take a look at what industry experts have to say about the provider. Foremost has an A rating with the Better Business Bureau (BBB) and an A rating in financial strength with AM Best. The financial strength rating may seem great at first glance, but AM Best’s rating scale actually goes all the way up to A++.
Customer reviews for Foremost auto insurance are mixed with reviews for Farmers Insurance Group on the BBB website. Here is one of the negative Foremost auto insurance reviews submitted by a customer:
“I [was] in a car accident in mid-November 2019 and [the] the complaints representative was not responsive at all. We have had [an] initial conversation for them to take my statement, but after [that] I left voicemails every day and spoke to someone maybe every two weeks from then on. It took them 10 business days to send someone to the body shop to determine [whether] they fix it or totalize it. They decided to destroy my car, it was just cosmetic damage. After that they offered [a] very small amount to settle this so i needed to spend some money for [an] independent appraiser to obtain [a] greater quantity.
-Vujo J. via BBB
As with most auto insurance companies, it’s natural to have a wide range of positive and negative feelings. From what we can tell, Foremost does its best to please its customers and generally responds to Foremost auto insurance reviews.
Foremost does not offer a mobile app for its specific car insurance coverage, but does provide an online payment and claims portal. Its parent company, Farmers Insurance Group, offers a popular mobile app for managing bills, easy-to-access policies, and more.
Rating of the most important car insurance: 3.5 stars
After carefully reviewing Foremost’s auto insurance offerings, we’ve given the company a rating of 3.5 out of 5.0 stars. While we’re impressed with the level of coverage offered by Foremost car insurance, we can’t ignore the fact that getting a quote is so difficult. Having to visit a local agent is inconvenient when you just want to assess the amount of this coverage. On top of that, the rates probably won’t be that low, and Foremost isn’t available in all 50 states.
The tool below will help you find an insurance company in your state that offers better customer service. You can also call our team at (844) 246-8209 for free quotes seven days a week.
Best car insurance companies
After reviewing Foremost car insurance, we think you might want to consider some of the best car insurance companies in the business instead. We have already researched these providers and found a few auto insurance companies that have outdone the rest. Here’s a quick comparison of our top four suppliers and an in-depth review of USAA and State Farm.
*JD Power statistics are taken from the 2021 United States Automobile Claims Satisfaction Study and the 2021 United States Insurance Purchases Study.
USAA offers some of the best auto insurance options on the market, but keep in mind that plans are only available to military personnel, veterans, and their families. This restriction restricts who can apply for auto insurance.
What sets USAA apart is its outstanding reviews at every level. The company received an A++ rating from AM Best and excelled in both the JD Power Claim Satisfaction Study and the Insurance Purchase Study.
In addition to standard insurance coverage, USAA offers these options:
- Roadside Assistance: Get coverage for towing, fuel delivery, lockout services, flat tires, and more.
- Reimbursement of rent: Receive compensation for a rental car while your vehicle is being repaired following a covered loss.
- Forgiveness of accident: With this plan, you can keep the same rates after an at-fault accident.
If you are eligible for USAA, read our review of USAA car insurance.
State Farm writes more auto insurance policies than any other provider, so you know they can be trusted for your auto needs. The company is known for its extensive network of local agents, but you can also get a quote and manage your plan online.
Like the USAA, we found that State Farm had an A++ financial strength rating and excelled in both JD Power studies.
In addition to standard insurance coverages, State Farm offers the following options:
- Gap Insurance: This takes care of the balance of your loan or lease if your vehicle is totaled during a covered incident.
- Carpooling insurance: If you drive for Uber or Lyft, you’re protected from the moment you open your app until you pick up a rider.
- Roadside Assistance: Get help with towing, lockout services, flat tires, fuel delivery, and more.
To learn more, read our full review of State Farm auto insurance.
If you want an even lower rate on your premiums, consider using the company’s app that monitors your driving and gives you a discount if you stay safe.
Foremost auto insurance may not be the right choice for you, but there is a provider that will meet your needs. Get multiple auto insurance quotes and compare plans. When you take a few minutes to research your options, you can be sure you have the best protection.
In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.
- Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
- Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
- Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
- Cost and discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
- Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.