Compare The Hartford vs. Foremost Insurance

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Foremost and The Hartford are two top-rated companies in the insurance world. The Hartford was founded in 1810, and Foremost wasn’t founded until 1952. Foremost may have come last, but it's customers appreciate the wide variety of coverage options they provide. Whereas, The Hartford customers appreciate their partnership with AARP members. On the other hand, The Hartford lacks 24-hour customer service support, while Foremost has a habit of prolonging the claims and payout process. Still, both of these companies have excellent financial strength and 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

  The Hartford Foremost
Best If The Hartford
  • You’re also an AARP member
Foremost
  • You want a variety of coverage options
Worst If The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues
Foremost
  • You want a fast claims and pay-out process

Special Car Insurance Discounts

The Hartford Foremost
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount
Foremost

Standard Car Insurance Discounts

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

Consumer Complaint Data

The Hartford Car Insurance Foremost Car Insurance
2016 30 65
2015 72 98
2014 69 87
2013 67 97

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

The Hartford Car Insurance Foremost Car Insurance
A.M. Best A A
Moody's A2 --
S&P's A A+

Mobile Apps

The Hartford Foremost
The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Foremost

Roadside Assistance

The Hartford Foremost
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.

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.