Foremost Signature vs Horace Mann Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Foremost Signature
Not Rated
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Insurify Composite Score

Horace Mann
Not Rated
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Insurify Composite Score

Foremost Signature VS Horace Mann
Not Rated
Not Rated
What is this?
User Ratings
OptionsForemost Signature Horace Mann
Rating/Reviews
0 reviews
0 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsForemost Signature Horace Mann
Call Center RepresentativeThe rest--
Insurer WebsiteThe rest--
Local AgentBetter than most--
Overall SatisfactionAbout average--
Policy OfferingsThe rest--
PricingAbout average--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsForemost Signature Horace Mann
Claim ServicingAbout average--
Estimation ProcessAbout average--
First Notice of Loss (FNOL)About average--
Overall SatisfactionAbout average--
Rental ExperienceAbout average--
Repair ProcessThe rest--
SettlementAbout average--
J.D. Power Ratings by Region (out of 1000)
RegionForemost Signature Horace Mann
Florida849 pt
Among the best
--
New England803 pt
The rest
--
New York834 pt
Better than most
--
North Central811 pt
The rest
--
Southeast796 pt
The rest
--
Texas823 pt
About average
--
Mobile App Ratings
RegionForemost Signature Horace Mann
Android
1,187 Reviews
--
iOS
224 Reviews
--
Financial Ratings
OptionsForemost Signature Horace Mann
A.M. BestA+--
FitchAA---
Moody'sAa3--
Standard & Poor'sAA---

Auto Insurance Quotes

For Married Drivers

CityForemost Signature Horace Mann
Austin$82--
Chicago$96--
Phoenix$66--
Santa Monica$119--

For Single Drivers

CityForemost Signature Horace Mann
Austin$115--
Chicago$133--
Phoenix$102--
Santa Monica$205--

For Male Drivers

CityForemost Signature Horace Mann
Austin$106--
Chicago$120--
Phoenix$89--
Santa Monica$194--

For Female Drivers

CityForemost Signature Horace Mann
Austin$90--
Chicago$110--
Phoenix$79--
Santa Monica$130--

For Drivers with Speeding Ticket

CityForemost Signature Horace Mann
Austin$150--
Chicago$183--
Phoenix$150--
Santa Monica$376--

For Drivers with No Speeding Ticket

CityForemost Signature Horace Mann
Austin$87--
Chicago$100--
Phoenix$70--
Santa Monica$116--

For Drivers Age Between 18-40

CityForemost Signature Horace Mann
Austin$123--
Chicago$137--
Phoenix$106--
Santa Monica$225--

For Drivers Age Between 40-65

CityForemost Signature Horace Mann
Austin$76--
Chicago$90--
Phoenix$61--
Santa Monica$117--

For Drivers Age of 65+

CityForemost Signature Horace Mann
Austin$90--
Chicago$125--
Phoenix$86--
Santa Monica$96--

For Drivers with Average Credit

CityForemost Signature Horace Mann
Austin$113--
Chicago$130--
Phoenix$99--
Santa Monica$148--

For Drivers with Fair Credit

CityForemost Signature Horace Mann
Austin$107--
Chicago$115--
Phoenix$75--
Santa Monica$131--

For Drivers with Good Credit

CityForemost Signature Horace Mann
Austin$74--
Chicago$96--
Phoenix$69--
Santa Monica$126--

For Drivers with Excellent Credit

CityForemost Signature Horace Mann
Austin$99--
Chicago$118--
Phoenix$93--
Santa Monica$244--

Quotes & Discounts

Discount typeForemost Signature Horace Mann
Accident ForgivenessVaries--
Accident FreeVaries--
Advance shopperVaries--
Affinity groupVaries--
AlumniVaries--
Anti-Theft DeviceVaries--
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
DeductibleVaries--
Defensive DriverVaries--
Driving HabitsVaries--
Driving trainingVaries--
E-billingVaries--
Early QuoteVaries--
Good DriverVaries--
Good StudentVaries--
Home OwnerVaries--
LoyaltyVaries--
Multiple PolicyVaries--
Multiple VehicleVaries--
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVaries--
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Roadside AssistanceVaries--
Seat Belt UseVaries--
Signing documents when you buy onlineVaries--
Starting your auto quote onlineVaries--
Student Away at SchoolVaries--
Youth DrivingVaries--

Payment Methods

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

Features and Services

Features and ServicesForemost Signature Horace Mann
24/7 serviceyes--
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyes--
Policy bundling discountsyes--
Roadside assistanceyes--

Optional Coverages

Optional CoveragesForemost Signature Horace Mann
Gap Insurance
yes--
Glass Coverage yes--
Legal Defense Costs Coverage
yes--
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yes--
Roadside Assistance
yes--

Online Quoting by State

  • Foremost Signature
  • Horace Mann
  • Both

Uber and Lyft driver insurance

  • Foremost Signature
  • Horace Mann
  • Both

Compare Insurance Products

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

User Reviews

  • Foremost Signature Reviews
  • Horace Mann Reviews
2.7
5 Stars
25 %
4 Stars
13 %
3 Stars
13 %
2 Stars
8 %
1 Star
41 %

Most Positive Review

By
I cannot say enough about how happy I am with your service. My agent was superb and got me a one year policy at a fixed low price so I no longer have to watch for payment increases that always happened with the other companies I have used in the past. I know I have a true advocate who's efforts are on MY behalf! I am a customer for life and always recommend you to friends and aquanitences.

Most Critical Review

By
Foremost Signature provides a great value if you measure a company only by their premiums. Unfortunately, after setting up a home, auto, and umbrella policy with them, they failed to START my home and auto policy. My umbrella policy, however, went through. A month after I started my policies, I received a notice saying that my umbrella policy was being cancelled since I didn't have home or auto through them. Fortunately I had not yet cancelled my existing insurance since I was waiting for ID cards from Foremost Signature which never arrived, otherwise I would have ended up being uninsured during this time. I called Foremost Signature to discuss the situation. My call was answered quickly by a friendly representative. She could see that these policies existed, but she couldn't determine anything beyond that. She offered to transfer me to sales where I could then set up another policy. I refused her offer as 1) I went through an excellent agent at Answer and I wanted him to get credit for the policy, and 2) I felt that any additional time spent with Foremost Signature was a waste. If they can't figure out how to start a policy, I have absolutely zero faith in them to be able to pay me in the event of a claim. Unfortunately, my employer uses Foremost Signature for dental insurance. They have a tendency to deny claims, and I've encountered that first hand. I complained about this to my dentist once, and I learned that this is par for the course. At the end of the day, I believe I dodged a bullet. If a company can't determine whether or not you have a policy with them when , why should I expect them to be able to pay out if the need arises? Stay away from the train wreck that is Foremost Signature.

All Reviews

Showing 1 - 10 out of 293 Reviews
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Read reviews that mention

Natalie
I have had this insurance for maybe 6 mos and i will be cancelling at the end of the month and go with the Hartford. Customer service, u call and u hear a child screaming. I could not understand the lady i spoke with My billing is so messed up, i am constantly locked out of my account, and when i do, u get this warning that their system was hacked, my automatic payments for some reason would not go thru, i get a letter stating they have cancelled my insurance and notifying the lender. I finally after 4 calls got online, edited my billing info, and ALAS!!! it happened again. I call again, get a temp password to get onto my account and then it wont let me change my password and obce again i am locked out I give up.
Terry
Brad
Charging me nearly 280$ per month for a 2011 chevy Malibu, AND I'm 50yrs old!! Will be switching very soon
George
Kimberley
Foremost Signature canceled my policy after I paid what was requested online before the cancellation date.
Christopher
Robert
ELIZABETH
Customer service is terrible. I had a no fault claim. They refused to pay for my car rental although I have rental car coverage. They were slow to respond, It was a nightmare! It was the worst experience with an auto insurance company. Guess you get what you pay for.
Don
Carlton
I've had no interaction with Met Life because I've had no accidents or traffic tickets. I've been surprised occasionally when Met Life has increased my premium by 50 cents or so per month without giving me advance notice. I subtract my automatically withdrawn monthly payment in my checkbook and have to make adjustments when my statement comes in.
Showing 1 - 10 out of 293 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.