Compare American Family vs. Foremost Insurance

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Foremost and American Family are two top companies in the insurance world. Foremost was founded in 1952, and American Family was founded in 1927. American Family is rated the #6 auto insurer for 2016, has flexible agents, and great additional coverage options, while Foremost is liked for its wide range of insurance products and discounts. However, Foremost insures high-risk drivers, so their premiums are on the higher side, and American Family lacks consistent follow-up with complaints and claims. Still, both companies have excellent financial strength ratings, and American Family has 4 out of 5 stars from J.D. Power. 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

  American Family Foremost
Best If American Family
  • You want many discount options or additional coverage
Foremost
  • You want a variety of coverage options
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

American Family Foremost
American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Foremost

Standard Car Insurance Discounts

Bundling Coverage Discounts American Family Foremost
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American Family 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 American Family Foremost
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American Family Foremost
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American Family Foremost
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American Family Foremost
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American Family Car Insurance Foremost Car Insurance
2016 33 65
2015 32 98
2014 18 87
2013 9 97

U.S. Auto Insurance Shopping Study (2016)

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

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

American Family Car Insurance Foremost Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Above average Average
Settlement Average Average

Financial Strength Ratings

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

Mobile Apps

American Family Foremost
American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Foremost

Roadside Assistance

American Family Foremost
American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).

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.