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Home / FAQs / Save Thousands on Your Foremost Car Insurance

Save Thousands on Your Foremost Car Insurance

Nicholas Hinrichsen - Published: September 15, 2023

You can lower your monthly premium on your Foremost car insurance and save $685 every year / $57 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your Foremost policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My Foremost Insurance


Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your Foremost insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Sign In' provide Email and Password and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard Foremost auto insurance won’t apply. Through a Foremost ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

Foremost insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:

If you just want to stay in touch with Foremost and know what’s going on, connect with Foremost in one of the following engaging ways:

Cancelling your Foremost Insurance Policy

You can cancel your Foremost insurance policy via the iPhone / Android app, the website or over the phone through customer service at (800) 527-3905. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.
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Background on Foremost


Headquartered in Grand Rapids, Foremost Insurance is part of Farmers Insurance Group. In 2000, Farmers bought Foremost, which was then particularly well known for its recreational vehicles, manufactured homes, boat and other speciality line insurances.

Farmers, which is owned by Zurich Insurance Group, has five divisions: Farmers Insurance, Foremost Insurance, Bristol West Insurance, 21st Century Insurance and Farmers Life.

Foremost Insurance Products


Foremost has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Home and Property Insurance: These policies are meant to cover both liability and property damage for a residents primary dwelling. This includes both renters insurance and homeowners insurance/home insurance, condo insurance as well as coverage for personal property or rental properties including but not limited to boat insurance, personal property insurance, valuable personal property, umbrella insurance etc.

Other Insurance: Under other insurance, we often find umbrella policies to widen your protection above and beyond your primary coverage as well as flood insurance.

Insurance Contact Foremost


Should you need to contact Foremost’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call Foremost toll-free at (800) 527-3905
  • You can email Foremost by using the email form at the bottom of the Contact US page at www.foremost.com
  • You can send Foremost a letter to Foremost, P.O. Box 0915, Carol Stream, IL 60132, United States

A Foremost representative will get back to you within 24 - 48 hours.

Foremost Ratings, Reviews and Complaints


Foremost has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:


We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within Foremost’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your Foremost experience on one of the above pages. Other prospective customers and Foremost employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from Foremost


Getting a Quote: To get a quote, you can apply directly through Foremost here. Filling out a quote requires having a Foremost login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

Foremost Auto Insurance Costs: Foremost proposes to save members/customers an average of $709 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) Foremost saved the average member $261 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $590 $49
Driver w/ At-fault Accident $709 $59
Driver w/ Good Credit (670+) $603 $50
Driver w/ Bad Credit (<580) $1,119 $93
Driver w/ Speeding Ticket $605 $50

Insurance Discounts Available: There are several discounts Foremost offers drivers for the auto insurance policy:

  • Lay-Up Discount
  • Paid in Full Discount
  • Boating Safety Course
  • Protective Device Discount
  • Multi-Policy Discount
  • Multi-Unit Discount
  • Loss Free Renewal Discount
  • Prior Insurance
  • Insured Age Discount
  • Affinity and Alliance Discounts

Foremost Bundling Discounts: Foremost proclaims to offer a discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to . Yet when independently reviewed, Foremost still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to Foremost


Foremost has grown into a huge financial services conglomerate. Brands related to Foremost include but are not limited to the following:

Foremost Insurance Group

  • Foremost Insurance Company
  • Foremost Signature Insurance Company
  • Foremost Property and Casualty Insurance Company
  • American Federation Insurance Company
  • Foremost Lloyds of Texas
  • Foremost County Mutual Insurance Company
  • ... which are all members of the Farmers Insurance Group of Companies
  • Foremost Lloyds of Texas
  • Foremost County Mutual Insurance Company conduct business only in Texas, under a management agreement

Questions People also ask about Foremost


Our goal has been to provide you with a wide range of content so you can learn more about Foremost without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about Foremost:

Who Qualifies for and Should Get Foremost Car Insurance?


Foremost membership is open to the public. The following list summarize who can join Foremost auto insurance:

  • No restrictions and wide range of product offering
  • Auto
  • Home
  • Mobile Home
  • Recreational
  • Vacant Home
  • Seasonal Home
  • Landlord and Rental Home
  • Flood
  • Watercraft
  • Snowmobile
  • Owner-Occupied Condominium
  • Vacant and Landlord Condominium
  • Collectible Auto Boat
  • Motocrycle
  • Scooter
  • Off-road vehicle
  • Golf Cart
  • Neighborhood Electric Vehicle
  • Trailer
  • Fitfh-Wheel
  • Luxury Motor Coach

The obvious next question is, who should get Foremost car insurance? Foremost truly has wide coverage. The more insurances you bundle, the cheaper your overall insurance cost will become. Foremost is therefore perfectly suited for Americans who have wide and broad insurance needs.

Is Foremost good insurance?


Overall, Foremost is a top insurance carrier. Foremost's customer base is known for being very loyal to the brand and taking advantage of the wide range of Foremost's products and services. Foremost is a premium product with premium service. If you’re trying to get the best deal on insurance possible, Foremost is probably not your best choice.

Is Foremost Flexible With Payments?


The answer is short and sweet: yes, Foremost offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. Foremost’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

Foremost’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does Foremost Offer Accident Forgiveness?


Foremost will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. Foremost’s accident forgiveness program is rather generous. Sadly, Foremost does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers


To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:


Saved money on Foremost done! Now save on your loan!

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