Compare Foremost vs. MetLife Insurance

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Two big names in the auto insurance world are MetLife and Foremost. MetLife was founded in 1863, and Foremost was founded in 1952. Even though Foremost is newer, it offers a wide variety of coverage options, while MetLife offers helpful, and knowledgeable representatives. On the other hand, MetLife has a limited variety of driver discounts and Foremost has a long claims and pay-out process. Nonetheless, MetLife and Foremost have excellent customer satisfaction and excellent financial strength. 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

  Foremost MetLife
Best If Foremost
  • You want a variety of coverage options
MetLife
  • You want helpful, knowledgeable representatives
Worst If Foremost
  • You want a fast claims and pay-out process
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Foremost MetLife
Foremost MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Foremost Car Insurance MetLife Insurance
2016 65 181
2015 98 333
2014 87 305
2013 97 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Foremost Car Insurance MetLife Insurance
A.M. Best A A+
Moody's -- Aa3
S&P's A+ A+

Mobile Apps

Foremost MetLife
Foremost MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Foremost MetLife
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.

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.