Electric Insurance vs Foremost Signature Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Electric Insurance
Not Rated
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Insurify Composite Score

Foremost Signature
Not Rated
What is this?

Insurify Composite Score

Electric Insurance VS Foremost Signature
Not Rated
Not Rated
What is this?
User Ratings
OptionsElectric Insurance Foremost Signature
Rating/Reviews
12 reviews
0 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsElectric Insurance Foremost Signature
Call Center Representative--The rest
Insurer Website--The rest
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--The rest
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsElectric Insurance Foremost Signature
Claim Servicing--About average
Estimation Process--About average
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--The rest
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionElectric Insurance Foremost Signature
Florida--849 pt
Among the best
New England--803 pt
The rest
New York--834 pt
Better than most
North Central--811 pt
The rest
Southeast--796 pt
The rest
Texas--823 pt
About average
Mobile App Ratings
RegionElectric Insurance Foremost Signature
Android--
1,187 Reviews
iOS--
224 Reviews
Financial Ratings
OptionsElectric Insurance Foremost Signature
A.M. Best--A+
Fitch--AA-
Moody's--Aa3
Standard & Poor's--AA-

Auto Insurance Quotes

For Married Drivers

CityElectric Insurance Foremost Signature
Austin--$82
Chicago--$96
Phoenix--$66
Santa Monica--$119

For Single Drivers

CityElectric Insurance Foremost Signature
Austin--$115
Chicago--$133
Phoenix--$102
Santa Monica--$205

For Male Drivers

CityElectric Insurance Foremost Signature
Austin--$106
Chicago--$120
Phoenix--$89
Santa Monica--$194

For Female Drivers

CityElectric Insurance Foremost Signature
Austin--$90
Chicago--$110
Phoenix--$79
Santa Monica--$130

For Drivers with Speeding Ticket

CityElectric Insurance Foremost Signature
Austin--$150
Chicago--$183
Phoenix--$150
Santa Monica--$376

For Drivers with No Speeding Ticket

CityElectric Insurance Foremost Signature
Austin--$87
Chicago--$100
Phoenix--$70
Santa Monica--$116

For Drivers Age Between 18-40

CityElectric Insurance Foremost Signature
Austin--$123
Chicago--$137
Phoenix--$106
Santa Monica--$225

For Drivers Age Between 40-65

CityElectric Insurance Foremost Signature
Austin--$76
Chicago--$90
Phoenix--$61
Santa Monica--$117

For Drivers Age of 65+

CityElectric Insurance Foremost Signature
Austin--$90
Chicago--$125
Phoenix--$86
Santa Monica--$96

For Drivers with Average Credit

CityElectric Insurance Foremost Signature
Austin--$113
Chicago--$130
Phoenix--$99
Santa Monica--$148

For Drivers with Fair Credit

CityElectric Insurance Foremost Signature
Austin--$107
Chicago--$115
Phoenix--$75
Santa Monica--$131

For Drivers with Good Credit

CityElectric Insurance Foremost Signature
Austin--$74
Chicago--$96
Phoenix--$69
Santa Monica--$126

For Drivers with Excellent Credit

CityElectric Insurance Foremost Signature
Austin--$99
Chicago--$118
Phoenix--$93
Santa Monica--$244

Quotes & Discounts

Discount typeElectric Insurance Foremost Signature
Accident ForgivenessVariesVaries
Accident FreeVariesVaries
Advance shopperVariesVaries
Affinity groupVariesVaries
Anti-Theft DeviceVariesVaries
Anti-lock BrakeVariesVaries
Daytime Running LightsVaries--
Driving trainingVariesVaries
EV/HybridVaries--
Good DriverVariesVaries
Good StudentVariesVaries
Low MileageVaries--
Mature driverVaries--
Multiple PolicyVariesVaries
New CarVaries--
NewlywedVaries--
OrganizationVariesVaries
Paid in fullVariesVaries
Passive RestraintVariesVaries
Preferred paymentVariesVaries
Student Away at SchoolVariesVaries
Alumni--Varies
Claims Free Renewal--Varies
Deductible--Varies
Defensive Driver--Varies
Driving Habits--Varies
E-billing--Varies
Early Quote--Varies
Home Owner--Varies
Loyalty--Varies
Multiple Vehicle--Varies
Paperless documents--Varies
Prepay--Varies
Professional organization--Varies
Roadside Assistance--Varies
Seat Belt Use--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Varies
Youth Driving--Varies

Payment Methods

Discount typeElectric Insurance Foremost Signature
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Payroll Deduction
yesyes
Phone Payment
--yes
Prepayment
yesyes

Features and Services

Features and ServicesElectric Insurance Foremost Signature
24/7 serviceyesyes
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesElectric Insurance Foremost Signature
Comprehensive Claim Forgiveness
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Glass Coverage yesyes
Legal Defense Costs Coverage
--yes
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
yesyes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Work Loss Coverage
yes--

Online Quoting by State

  • Electric Insurance
  • Foremost Signature
  • Both

Uber and Lyft driver insurance

  • Electric Insurance
  • Foremost Signature
  • Both

Compare Insurance Products

ProductElectric Insurance Foremost Signature
Accident InsuranceAccident Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Cancer InsuranceCancer Insurance--yes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dental InsuranceDental Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Home InsuranceHome Insuranceyesyes
Hospital Indemnity InsuranceHospital Indemnity Insurance--yes
Life InsuranceLife Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes
Vision InsuranceVision Insurance--yes

User Reviews

  • Electric Insurance Reviews
  • Foremost Signature Reviews
2.5
5 Stars
25 %
4 Stars
8 %
3 Stars
8 %
2 Stars
8 %
1 Star
50 %

Most Positive Review

By Shubha
Cost and services

Most Critical Review

By Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!

All Reviews

Showing 1 - 10 out of 12 Reviews
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Read reviews that mention

Steve C
Electric insurance is by far the worst insurance company I have ever dealt with their claim service is slow in accurate and frustrating to say the least. They have drug their feet, refused to issue me payment for a prorated amount For a vehicle that should have been removed from my policy over six weeks ago they do not have to do math and calculate the amount of premiums that I have paid from that day until the day they removed it they promised me an extension on the rental car due to their lack of expediency in the claims process by using a third-party insurance adjuster who took well over a week to come out and look at my automobile, have raised my premiums to over $6000 Per year. They do not returned calls and they do not comprehend the word customer service. I am going to find a new insurance carrier for my auto‘s. Their claims people are ignorant of the process, their customer service people never resolve issues for me. I’ve been a customer for five years yet I am treated extremely poorly. I surely hope that anybody else who purchases insurance from electric insurance Company has better luck than I have. They are inherently dishonest
ralphholder
Electric Insurance Co has deliberately withheld information from me about a workers comp claim I had against ** ******** ****** in Lynn, MA. Although I spoke with a rep about the claim, she now claims they don't have it even though she referred to documents in her possession
Shelley
They keep raising our rates. Raised to the point now that we cannot afford it
Mike Q
I was very displeased with everything from ELECTRIC INSURANCE. Their insured hit my car and all my experience with claims has been a complete nightmare! Their customer service for claims is definitely the worst I have ever experienced. They never reply and are never happy to help and take long time to resolve. I was involved in this accident this year and my car took longer than expected to be fixed so instead of resolving never sent the money for rental until many fights when asked to wait until I can resole things at my end they send the check to IRS without even contacting me and *** was paid!!! Jesse, Jen, Ryan and the manager Kristine T******* are the worst!!! Electric company is a complete nightmare of insurance I have worked with insurance for 3 years and never offered or experienced such a disgrace of a company!!!
Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!
Amy N.
This company offered me great rates on my Texas home, I left my carrier of 3 years to join Electric Insurance - after being insured for ONLY ONE MONTH they are dropping my house. My roof was done in 2007 and it doesn't meet their EXTREMELY high standards. I tried to ask if I could have some roof repair done (not really needed - their report showed hardly any real issues, some noteable granular loss and a few curled shingles) and they told me NO the ENTIRE roof must be replaced. I'm an agent also for a different agency, we offer to our clients to do repairs as needed not an ENTIRE ROOF REPLACEMENT! I will make sure all of my friends and family avoid this terrible company. What a terrible way to do business! Don't event think about using them unless you have a new construction build, they'll just write the policy and cancel you a month later over what seems to be lame excuses.
Mark O.
Electric Insurance is a terrible company! There should be a zero stars choice because Electric Insurance is a big ZERO. My truck slid off of the road and into a ditch due to black ice and hit the embankment of a driveway which damaged the front bumper, radiator, a headlight, and dented a fender. That was a month and a half ago and I finally got my truck back yesterday without the dent repaired because they refused to cover the dent claiming that it was not due to the accident, which it was. They also stopped returning any emails or phone calls almost two weeks ago and I would not have had any transportation once their rental coverage ran out if not for the kindness of the auto body shop where my truck sat for that month and a half while the shop waited for authorizations for repairs. As it turns out Electric Insurance hires seedy private claims adjusters who also ignore phone calls and collude with Electric Insurance to deny any part of your claim which they can get away with. Now I have to live with the dent or pay out of pocket to have it repaired but at least I have the truck back in my possession. Be forewarned: Electric Insurance is not a company to do business with!
Shubha
Cost and services
Shubha
Cost and services
Candice S.
One of Electric's driver's totaled my son's car. He lied to the police officer and said he had a green arrow on a left turn. It is apparent by the fact that he t-boned my son's driver side that he failed to yield. Electric is refusing to pay based upon their client's false statement. It has been 6 weeks. Electric will take up to one week at a time responding to email or voice mail. I have resorted to putting everything in writing via email and refuse to speak on the phone about the claim because they are lying every time I speak to someone. My insurance company, **** (a reputable carrier) has ruled this accident as their driver's fault. They refuse to accept blame. First they denied the claim, then they offered 20%, then they offered 50%. I refuse to accept less than 100%. I will be taking their client to small claims court and holding him personally liable. And I will be reporting Electric to the Massachusetts Consumer Affairs and Business Regulation. I am done!
Showing 1 - 10 out of 12 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.