Compare Esurance vs. Foremost Insurance

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Esurance and Foremost are both well-known companies in the auto insurance industry. Esurance was founded in 1999, and Foremost was founded in 1952. Both companies are ranked high in terms of financial strength and customer satisfaction, but each have their respective weak spots. Esurance has low premiums, but lacks a good roadside assistance program and has limited local agents.

On the flip side, Foremost is praised for its wide variety of insurance products, but criticized for its high premiums for high-risk drivers.

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

  Esurance Foremost
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Foremost
  • You want a variety of coverage options
Worst If Esurance
  • You want excellent roadside assistance
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

Esurance Foremost
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Foremost

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance Foremost Car Insurance
2016 48 65
2015 67 98
2014 47 87
2013 43 97

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance Foremost
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Foremost

Roadside Assistance

Esurance Foremost
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.