Loan or Lease Coverage
Foremost Insurance will pay what you owe on your vehicle if you total it in an accident. This coverage is less your deductible but serves as gap insurance. For example, if you owe $20,000 on your car but the total loss valuation is only $13,000, Foremost will pay the $7,000 difference, less your deductible, so you aren’t left with a loan or lease on a car that doesn’t run.
Rental Car Coverage
All Foremost policies include rental car coverage. Foremost’s affiliate, Bristol West, says that when you have a claim and need to rent a car, it will put $50 a day back in your pocket for that expense. Not every insurance company includes rental car coverage.
Backing of a Larger Insurance Company
Bristol West is a small subsidiary or member of the Farmers Insurance group of companies. So even though Foremost is using an affiliate company (Bristol West) for auto insurance sales, Farmers backs Bristol West as an insurance powerhouse with the expertise and resources to protect customers properly.
Agent Sales Model
Bristol West utilizes an insurance agent sales model designed to educate customers on what coverages they need and walk them through the claims process with care. With agents, customers always have points of contact that are consistent and know their backgrounds, and generally provide better customer service than the direct-to-consumer model.
The direct-to-consumer model (i.e., online sales or call centers), in contrast, takes the relationship out of insurance and doesn’t offer the same kid gloves that the agent model does. Customers looking for extra attention do well with an agent model.