Compare GEICO vs. Foremost Insurance

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Foremost and GEICO are both top names in the world of auto insurance. Foremost was founded in 1952, and GEICO was founded in 1936. While Foremost has a wide variety of insurance products and driver discounts, GEICO is acclaimed for being the #1 auto insurer for 2016. Additionally, Foremost has good customer service and an extensive claims process, and GEICO also has great customer service ratings. However, Foremost’s premiums are a bit high, whereas GEICO’s are on the more affordable side. 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

  GEICO Foremost
Best If GEICO
  • You want great customer service and low premiums
Foremost
  • You want a variety of coverage options
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

GEICO Foremost
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Foremost

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Car Insurance Foremost Car Insurance
2016 144 65
2015 283 98
2014 267 87
2013 188 97

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Car Insurance Foremost Car Insurance
A.M. Best A++ A
Moody's Aa1- --
S&P's AA+ A+

Mobile Apps

GEICO Foremost
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Foremost

Roadside Assistance

GEICO Foremost
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

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.