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Fremont Insurance Company

Our reviews team rates Fremont Insurance Company 4.0 out of 5.0 stars for its great coverage selection and affordable policy pricing.

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09/09/2023 05:29 PM

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As Michigan’s hometown provider, Fremont Insurance offers decent auto insurance coverage at affordable rates. The company has a solid financial standing, but can you trust this regional provider with your car insurance needs?

While reviewing the country’s best car insurance providers, we found that Fremont Insurance offers quality insurance products in the Wolverine State. It’s far from your only option, though. We recommend checking out multiple auto insurance companies to find the one that best suits your pricing and coverage needs.

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Fremont Insurance Company Review

We give Fremont Insurance company an overall score of 4.0 out of 5.0 stars. The company’s affordable pricing and excellent financial stability make it a strong choice for Michigan drivers, though its poor claims process and variable service standards may detract from the overall experience.

Reviews Category Rating Score
Cost 3.5
Coverage 4.5
Reliability 4.0
Service 3.0
Overall Rating 4.0

About Fremont Insurance Company

Founded: 1876
Parent company: Auto Club Insurance Association
States available: Michigan
AM Best financial strength rating: A

Fremont Insurance Company, often shortened to FMIC, has been working with residents of the Wolverine State since 1876, providing stable, affordable coverage in a place where auto insurance is generally quite pricey. The Fremont, Michigan-based provider enjoys hometown recognition and has a network of local agents providing service throughout the state.

Fremont Insurance offers the following types of insurance policies:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Umbrella insurance
  • Commercial insurance

Fremont Insurance Customer Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in the last three years: 10

There’s no prevailing opinion on the quality of Fremont Insurance–customers generally either love or loathe it. The provider holds a 1.0-star average score out of 5.0 on the BBB and a 4.0-star average out of 5.0 from over 140 customers on Google reviews.

Positive Fremont Insurance Reviews

Pleased Fremont Insurance policyholders rave about the company’s courteous agents and reasonable prices for an expensive state like Michigan.

Fremont Insurance was great for me to work with. They made all contact with me once I notified them of the issue. They took care of everything in a timely manner. I’m very pleased with their excellent customer support.”
– Nancy Carlson via Google

“Not only have we saved money with this insurance company but they provided us with a very fast and efficient windshield repair. This company is worth checking out.”
– Jean Summers via Google

Negative Fremont Insurance Reviews

Not all Fremont Insurance customers enjoy the company’s services. Quite a few complain about a burdensome claims process and difficulty reaching the company’s help line.

“Had my first accident today and they were horrible. Nobody at the office seemed to care at all and couldn’t give me any advice on what to do.”
– Alicia Hasty via Google

“Terrible customer service; you won’t even get a call back even if you are really hurt. Employees that actually care about their customers would be nice.”
– Dominic Brooks via Google

Fremont Insurance Cost And Discounts

Unlike many other providers, Fremont Insurance lacks an online quote process and requires a potential customer to speak with an insurance agent to receive an offer. Because of this, it’s difficult to estimate the cost of coverage from Fremont Insurance.

Fremont Insurance focuses on covering low-risk drivers to cut potential costs and keep premiums low across the board. In Fremont Insurance reviews, customers consistently speak of affordable rates, at least for a pricey state like Michigan. The average cost of full coverage insurance in Michigan is $4,390 per year, which is more than twice as expensive as the national average of $1,732 per year.

No matter your provider, certain factors affect how much car insurance is. A few of the biggest contributors can be found below:

  • Location: Those living near large cities like Detroit, Grand Rapids, Lansing, and Flint can expect to pay more than those in Michigan’s countryside.
  • Age and gender: Young men tend to pay substantially more for car insurance, but prices start to decrease around the age of 25.
  • Marital status: Single drivers are considered higher risk than married drivers, so they face higher rates.
  • Driving history: Those with car accidents and DUIs on their driving records pay significantly more for car insurance.
  • Vehicle type: New cars, models that are commonly stolen, and unsafe vehicles will be hit with higher insurance costs.

Average costs for car insurance in Michigan will always be steep since the state has some of the country’s highest rates on average. Comparing car insurance quotes from providers is essential for Michigan residents, since not doing so may lead to you significantly overpaying for coverage.

Fremont Insurance Discounts

Fremont Insurance’s website lists very few opportunities to save money, instead directing customers to ask independent agents about discounts. At the very least, the company offers the following:

Multi-Car Discount Provides a discount on policies that have more than one insured car
Multi-Policy Discount Reduces rates for those who bundle auto and home policies from Fremont Insurance
Group Discount Keeps prices down for members of a group or association that uses Fremont Insurance
Good Student Discount Lowers rates for students with strong academic performance

It’s absolutely worth asking an insurance agent about extra chances to save, as your rate could be reduced by a sizable amount. Since each Fremont Insurance office is run separately, expect discounts to vary by location.

Fremont Car Insurance Coverage

You’ll likely be able to meet all of your coverage needs through Fremont Insurance’s impressive array of choices. From Michigan’s extensive minimum coverage standards to extra perks, Fremont Insurance covers its customers well.

Fremont Car Insurance Coverage Options

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability coverage pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Guaranteed Asset Protection Guaranteed asset protection (GAP coverage) pays the difference between your loans and your car’s depreciated value if it gets totaled.
Roadside Assistance Roadside assistance ensures you receive help if your vehicle breaks down mid-trip.
Towing Coverage Towing coverage takes care of the costs of having your car towed after a breakdown.
Rental Car Reimbursement Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.
Accident Forgiveness Accident forgiveness pardons your first at-fault offense on the road.
Enhanced Physical Damage Protection Enhanced physical damage protection increases your coverage for new car replacement, emergency transportation, and protection of personal property.
Excess Attendant Care Excess attendant care pays for attendants who are needed when an injured person can no longer perform certain tasks.

Fremont Homeowners Insurance Coverage

Fremont insurance company has more than just car insurance coverage and also offers many home insurance policies. Fremont insurance offers standard home insurance coverage that includes an impressive package. Their homeowners policies include dwelling, other structures, personal property, loss of use, personal liability, and medical payments coverage. There are also many additional offerings that you can add to your policy below:

  • Firearms
  • Seasonal Dwelling
  • Home Business Program
  • Identity Fraud Expense
  • Sewer or Drain Backup
  • Tree Removal

While these are the main coverage options available some more specialized homeowners coverage like renters, condo, and RV insurance can be provided if you talk to a Fremont Insurance agent.

Fremont Insurance Mobile App

Fremont Insurance lacks a stand-alone app, making it more difficult for customers to log into their accounts, pay monthly bills, and file auto claims from their phones. Many top car insurance companies have built their own intuitive apps, so it’s disappointing to see that Fremont Insurance does not offer one. However, the provider’s online services are mobile friendly.

Fremont Insurance Company: Conclusion

We rate Fremont insurance company a 4.0 out of 5.0 stars for its affordable coverage options and ability to pay back claims. While Fremont Insurance has a multitude of auto insurance and homeowners policies they lack many other options like life insurance and flood insurance. Customer service overall is mediocre, but the cost-effective policies may make it worth it. Before you decide on an insurance provider, we recommend searching around and comparing quote offerings.

Fremont Insurance Company Competitors: Top Picks

There are many great reasons to consider Fremont Insurance, but it’s always smart to get quotes from multiple providers before making a final call. Progressive and USAA are two of the cheapest car insurance options in Michigan, so both are worth checking out.

Progressive: Best Usage-Based Insurance

While car insurance in Michigan is always expensive, Progressive is our top choice for cutting costs. According to our rate estimates, Progressive customers pay about $1,682 per year for car insurance, which is about 62 percent less than Michigan’s average rate.

You could save even more by enrolling in Progressive’s usage-based insurance program, Snapshot®. Policyholders can download an app that tracks driving behaviors, and the company will reward good habits and low mileage with discounts on premiums. In our Progressive insurance review, we found that the company offers stellar rates, especially for drivers in Michigan.

USAA: Best For Military Members

It’s hard to beat USAA’s insurance offerings for military members, veterans, and their families. With the second-lowest average rates in Michigan and some of the nation’s top customer service standards, USAA is a smart choice for those who qualify.

In our USAA insurance review, we highlighted the company’s strong industry reputation. USAA holds an A+ rating from the BBB and an A++ financial strength rating from AM Best. It also received the highest scores in the North Central region and every other region in the J.D. Power 2021 U.S. Auto Insurance Study℠, demonstrating its strong customer service reputation.

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Fremont Insurance Company: FAQ

Is Fremont Insurance a good company?

Fremont Insurance is a strong choice for Michigan car insurance due to its local insurance agency network, excellent financial strength, and extensive coverage plans. The company receives poor marks for its claims process, though.

Who owns Fremont Insurance?

Fremont Insurance is owned by the Auto Club Insurance Association, which is affiliated with AAA.

Which states does Fremont Insurance offer coverage in?

Fremont Insurance currently offers coverage in Michigan, though the company plans to expand to offer commercial insurance in Wisconsin.

Which types of insurance are offered by Fremont Insurance?

Fremont Insurance offers auto insurance, homeowners insurance, renters insurance, umbrella insurance, business insurance, and casualty insurance.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.