Auto Insurance Coverages

See what can be covered under our auto policies.

Uninsured/Underinsured Motorists

Coverage that helps you protect yourself financially if you're in an accident with someone who's at fault and either has no insurance or insufficient insurance.

Rental Reimbursement

If you rent a car after you have a covered loss on your automobile, we will put money back in your pocket for a set number of days depending on the policy you choose. Coverage optional on some policies.

Towing and Roadside Service

If your car needs towing or assistance on the road, we will help pay the cost for you. This can cover each disablement on a covered vehicle subject to a maximum limit per policy. Coverage optional on some policies.

Bodily Injury and Property Damage

This can help with your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.

Medical Payments

This coverage helps pay for the necessary medical care you receive as a result of an auto accident (up to the specified amount on your policy.)


This optional coverage pays the difference between what you owe on your vehicle and what your insurance pays, if your vehicle is declared a total loss after an accident or is stolen and not recovered, minus your comprehensive or collision deductible. Coverage limit may vary by policy.

New vehicle replacement coverage helps pay for the replacement of a newly acquired insured vehicle with one of the same make, size, class and body type, if the insured vehicle is involved in a covered total loss. A deductible applies. Time and dollar limits may apply. Coverage optional on some policies.

Rideshare coverage if you use your vehicle to transport people as part of a rideshare service such as Uber® or Lyft™. Coverage optional on some policies.

Diminishing deductible reduces the policy deductible by a set amount each consecutive year that you don’t have a comprehensive or collision claim. Depending on the policy form, this could be up to a $250-$500 maximum reduction.

Additional discounts are available if you purchase a Foremost home, renters, or condominium policy in addition to the Foremost or Bristol West auto policy. Convenient features like combined bills and deductibles are also built into policy packages and bundles.

Auto Insurance Discounts

Here are just a few ways you can save money on our auto insurance policies:

Go Paperless

Available when applicants agree to receive their policy and billing documents via a valid email address.


For customers who insure multiple vehicles with us.


Customers with additional policies with another Farmers® company (Farmers, Bristol West® or Foremost®) may be eligible to receive a discount

FAQ Auto Insurance

Have questions about car insurance? We have answers!

Depending on the policy you choose and the policy limits, you could be covered. Your insurance company could take care of the expenses incurred up to the limits of your policy subject to policy terms and conditions. Talk to your insurance representative about your liability coverage under your auto policy.
Underinsured/uninsured motorist coverage on your policy could cover your expenses up to the limit you choose.
If you rent a car, rental reimbursement coverage can provide you payment for a set number of days, depending on your chosen policy options.
Towing and roadside assistance coverage is an available coverage option that would reimburse your towing expenses up to the chosen amount on the policy, subject to policy terms and conditions.

Start the ride to A Better Insurance Experience® with an auto insurance quote.