Foremost Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

Foremost Insurance Reviews, Coverage Options, and Ratings for 2019


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3.5 Rating from The Zebra

Foremost has offered an array of insurance coverage options for decades. While Foremost is well known for specializing in RV insurance, its auto insurance options are also quite popular. For car insurance, Foremost partners with another reputable provider, Bristol West. Have a look at our review of Foremost below to get a better sense of the company's options and whether or not Foremost has the right policy for you.


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JD Power Rating — Not Rated

Financial strength — Excellent: With a financial rating of “excellent,” you can rest assured Foremost will be able to handle your claims.

NAIC Rating — More complaints than average: According to the National Association of Insurance Commissioners, Foremost receives more complaints than average.

JD Power Rating — Not Rated

Financial strength — Excellent: With a financial rating of “excellent,” you can rest assured Foremost will be able to handle your claims.

NAIC Rating — More complaints than average: According to the National Association of Insurance Commissioners, Foremost receives more complaints than average.

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Foremost car insurance coverage options

Foremost auto insurance provides many of the standard coverage options you would expect from a carrier, including liability, bodily injury, property damage, comprehensive and collision, and uninsured/underinsured coverage.

Below are some of the more unique coverage options that Foremost offers.

 

Towing and roadside assistance service

If you find yourself with a broken down vehicle on the side of the road, this covers the cost of towing.  

 

Loan/lease coverage

Should your vehicle be totaled, this coverage pays the difference between what’s owed on your vehicle and what your insurance pays.

 

Medical payments

This coverage will pay up to $10,000 in medical care should you suffer an injury in an accident.

 
One household, one policy

Your Foremost policy covers all vehicles covered by the insurer on a single bill, meaning that you won’t have to worry about separate renewals or effective dates.  

 

Foremost discounts 

Foremost offers the chance to save on the cost of your coverage. Have a look at some of the ways that you can keep that hard-earned money in your pocket.

 

Electronic pay

By paying securely online, you can expect to see savings.

 

Multiple policies

Bundle your auto and home insurance for a discount through Foremost.

 

Multiple cars

Save by insuring multiple vehicles through Foremost.

 

Kids away at school

If you have kids away at college, Foremost may be able to offer you savings on your car insurance premiums.

 

Paid in full

By paying your full premium in advance, Foremost can offer you a discount.

 

Switching from another company

If you are coming to Foremost from another company, you can expect to see savings.

 

Good driving record

If you are able to keep a good driving record, you can expect to save. This begins with three years of clean driving, with the possibility of further discounts at the five-year mark.

 

Additional lines of insurance

One of the most interesting things about Foremost is the sheer variety of insurance products it offers, including:

  • Homeowners
  • Motor home
  • Fifth-wheel
  • Travel trailer
  • Luxury motor coach
  • Mobile home
  • Vacant home
  • Landlord/rental home
  • Seasonal home
  • Motorcycle
  • Off-road vehicle
  • Scooter
  • Golf cart
  • Neighborhood electric vehicle
  • Snowmobile
  • Personal watercraft
  • Boat
  • Collectible auto
  • Flood

 

Is Foremost right for you?

Overall, Foremost — via Bristol West — is an intriguing insurance option for high-risk drivers. It offers more perks than other non-standard insurance companies but remains more limited than some of the bigger providers. However, if lower rates and good customer service are important to you, it may be worth continuing to look around. The Zebra can find quotes from dozens of carriers at once, helping you find the best coverage at rates you can afford.

Compare rates and find an affordable policy!

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