It can be nearly impossible to find coverage if you’ve been charged with traffic violations or have numerous accidents on your record. As someone with a driving history that is spotty, you’ll want to consider Foremost Auto Insurance reviews.
Instead of having to give up your dreams of driving for the next several years, this auto insurance provider has plenty of options for you.
About Foremost Auto Insurance
Foremost Auto Insurance advertises their policies as specialty packages that have products other insurance providers don’t. After being in the insurance industry for over 60 years, they have a wide selection of flexible coverage options for you to choose from.
They are also an insurance company that understands each driver is different and will require special attention and care. However, Foremost Auto Insurance isn’t the type of provider that is useful for every type of driver.
If you’re someone with a clean driving record, or if you want an online quote, you may want to consider searching for an alternative provider. You’ll be able to find less expensive rates and a more convenient online quote.
Foremost Auto Insurance Coverage Options
When you’re shopping around for insurance, the very first thing to consider is the coverage you can choose from. Creating a customized plan will help you to get the policy you need, but that also gives you peace of mind.
Below are the most popular coverage options available from Foremost Auto Insurance.
- Liability Protection
When there is property damage or bodily harm resulting from an accident where you are at fault, you will need liability coverage to cover the costs.
- Collision and Comprehensive Damage
Available in a package that includes both, collision and comprehensive damage coverage pays for car damage from other cars or objects. It also assists with damage to your vehicle from theft, hail, flooding, vandalism, or fire.
- Personal Injury Protection
This type of coverage covers hospitalization and the cost of doctors, as well as funerals for you and your passenger. It kicks in regardless of who is declared at fault.
- Under and Uninsured Motorists Coverage
In an accident where the other driver is uninsured or underinsured, you’ll be expecting them to pay for all costs out of their pocket, which is likely impossible. This type of coverage takes care of medical expenses that exceed the other driver’s policy limits.
- Loan and Lease Coverage
If you have recently financed or leased a vehicle and are in an accident where it is declared a total loss, your loan and lease coverage will kick in. It pays off your lease or loan, so you don’t have to pay for a totaled vehicle.
- Rental Reimbursement
When your vehicle is in the shop getting repairs, Foremost reimburses the cost of renting a car up to your specified limits.
- Towing and Roadside Service
For vehicles that need to be towed or repaired on the side of the road, this optional coverage covers all out-of-pocket costs.
- Dynamite Deductible Endorsement
As a patented type of coverage from Foremost, it will reduce your collision and comprehensive deductibles by $50 for every semi-annual policy renewal. If you renew your policy annually, your deductibles will be decreased by $100.
- Learning Center
Every driver can always benefit from learning more about how to drive safely. The Learning Center is filled with helpful resources to teach you about improving your driving as well as understanding the aspects of your insurance policy.
Benefits of Foremost Auto Insurance Policies
Compared to highly rated insurance providers, Foremost Auto Insurance doesn’t have as many advantages. This is mostly because their clientele revolves around individuals with poor driving records.
There are a couple of benefits to consider, including:
- Discounts
As with most other insurance companies, you can guarantee there will be an assortment of discounts that you might be able to take advantage of. This is especially true if you have multiple drivers in your household that need to be insured.
The discounts from Foremost Auto Insurance are:
- EFT: Receive discounts when you pay through electronic funds transfer.
- Multi-Line: Discounts are available when you have multiple insurance policies with the same provider.
- Multi-Vehicle: If you are insuring multiple vehicles, you’ll get discounted rates.
- Teen Driver: For families with young drivers, you can get discounts for each driver under 19.
- Away at School: Ideal for students who are away because of school, their insurance rates will be decreased.
- Paid in Full: When signing up for your policy, if you pay it in full upfront, you’ll receive discounts.
- Clean Driving: If you’re able to maintain a clean driving history for three or more years, you’ll receive savings.
- High-Risk Policyholder Support
By far, the largest advantage to Foremost is that they help high-risk drivers with getting the perfect level of coverage. They have a high tolerance for policyholders that might not be able to get insured with other providers.
- Positive Financial Outlook
Foremost is backed by both Zurich International and Farmers Insurance Group. They have a strong financial outlook and have been rated as a top-tier insurance provider.
Cons of Foremost Auto Insurance Policies
Some of the largest disadvantages of Foremost Auto Insurance include:
- No Online Quotes
One of the best things about shopping for insurance online is being able to get instant quotes via email. Unfortunately, Foremost does not allow prospective policyholders to get online quotes.
- Require Credit Scores
Some insurance providers don’t require credit scores, but Foremost uses it as one of their largest deciding factors when approving or denying clients. If you have poor credit, there’s a high probability that you’ll be denied based on that one factor.
- No Online Applications
If you’re interested in signing up with the provider for coverage, you will have to visit an agent in person and apply through them. There aren’t any ways for you to conveniently apply for insurance online.
Foremost Auto Insurance Reviews: Final Thoughts
Foremost Auto Insurance reviews are both positive and negative, as some customers have expressed concerns about the quality of their customer service. However, as a company that has plenty of offerings for drivers with less-than-perfect records, they are one of the better specialty providers.
If you’re in a position where you know you cannot qualify for insurance with other providers, it’s highly recommended you consider Foremost Auto Insurance.
