Compare Amica Mutual vs. Forermost Insurance

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A couple of the most top-rated companies in the auto insurance world are Amica Mutual and Foremost. Amica was founded in 1907, and Foremost was founded in 1952. Amica offers a straightforward claims process, while Foremost offers a variety of coverage options for customers.

On the other hand, Foremost takes a while to process claims and payouts, and Amica has a habit of dropping customers without notice. Still, Amica and Foremost have a great deal of discounts to offer and excellent J.D. Power 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

  Amica Mutual Foremost
Best If Amica Mutual
  • You want a straightforward claims process
Foremost
  • You want a variety of coverage options
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

Amica Mutual Foremost
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Foremost

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Foremost Car Insurance
2016 29 65
2015 59 98
2014 66 87
2013 61 97

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance Foremost Car Insurance
Overall Purchase Experience Above average Average
Policy Offerings Above average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Among the best --
Insurer Website -- Below average

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

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

Financial Strength Ratings

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

Mobile Apps

Amica Mutual Foremost
Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

Foremost

Roadside Assistance

Amica Mutual Foremost
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly. 

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.