Compare AAA vs. Foremost Insurance

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You’ve probably heard of AAA before, but Foremost? Probably not. Still, Foremost has a lot to offer people shopping for car insurance, as does AAA. For instance, Foremost, which first opened its doors in 1952, offers a wide variety of products to its customers. AAA, founded in 1902, has a top-notch roadside assistance program. In fact, that service was recognized by TopTenReviews.com in 2016. Though AAA’s roadside assistance is incredible, there have been complaints about the company’s timeliness in responding to incidents.

On the other hand, Foremost customers have complained that the company can be slow to deal with claims and payouts. Still, both insurers have an A+ rating from the Better Business Bureau and excellent J.D. Power and financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Foremost
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Foremost
  • You want a variety of coverage options
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

AAA Foremost
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Foremost

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Foremost
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Foremost
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Foremost
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Foremost
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Foremost
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Foremost
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Foremost Car Insurance
2016 65
2015 98
2014 87
2013 97

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Foremost Car Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average --
Insurer Website Average Below average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Foremost Car Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Foremost Car Insurance
A.M. Best A+ A
Moody's -- --
S&P's A A+

Mobile Apps

AAA Foremost
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Foremost

Roadside Assistance

AAA Foremost
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Foremost

Foremost Towing and Roadside Service Coverage

With the additional Towing and Roadside coverage will get you roadside service on covered vehicles, but could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

You can call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.