Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 1, 2022

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Key Takeaways

  • Only Michigan drivers can purchase Fremont Insurance policies
  • Fremont Insurance offers extensive coverage options
  • You can save money by shopping for car insurance online

Michigan drivers must have insurance, and driving without an active Michigan car insurance policy can have severe consequences. Finding the right insurance company for your needs, though, can be a bit of a challenge when there are so many companies filling today’s marketplace. With reviews like this, you can narrow down your choices to discover the best company for your needs.

Keep reading to learn more about Fremont Insurance, the coverage it offers, and how you can reduce your insurance rates.

As you read this Fremont Insurance review, you can enter your ZIP code to receive free insurance quotes right away.

Who is Fremont Insurance?

Fremont Insurance has been in business for over 100 years and hasn’t strayed from its roots. Drivers can only purchase Fremont Insurance in Michigan, which means that if you live outside this state, you will have to shop online for car insurance companies in your area.

You can use the online Fremont Insurance pay bill feature to stay up-to-date with your insurance payments.

If you want to learn more about this company, you can call them at 231-924-0300 or send your questions via email to [email protected]

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Is Fremont Insurance highly rated?

Fremont Insurance has an A rating from A.M. Best, so the chances of seeing headlines reading “Fremont Insurance Company in Liquidation Proceedings” are minuscule. This high rating from A.M. Best indicates that Fremont Insurance is a financially strong company that can pay out the claims filed by its drivers.

This insurance company also has an A- rating from the Better Business Bureau. While this rating from the BBB isn’t the best possible, it still serves as an indicator that you can expect respectful and helpful Fremont Insurance customer service representatives.

What coverages does Fremont Insurance provide?

You can get standard liability-only or full coverage insurance if you choose to purchase a Fremont auto insurance policy. Drivers who want to reduce their risk can look into the optional coverages offered by Fremont Insurance. These optional coverages include:

  • Roadside assistance
  • GAP insurance, or guaranteed asset protection
  • Full glass
  • Accident or violation forgiveness
  • Excess attendant care
  • Vehicle enhanced physical damage

Car insurance allows you to mitigate the amount of risk you face whenever you get out on the open road. With the coverage provided by Fremont Insurance, you’ll be able to drive confidently no matter where the road takes you.

Hopefully, you’ll never need to use the Fremont Insurance claims services, but if you do, you can file a claim directly on the Fremont Insurance website. You can also call Fremont Insurance claims at 1-800-550-0325.

Are Fremont Insurance rates competitive?

Unfortunately, Fremont Insurance doesn’t offer an online rate tool, but that doesn’t mean you have to wait to plan your budget. Below, you can examine the average rates offered by some of the top insurance companies in Michigan:

Michigan Car Insurance Rates
CompanyAverage Annual Rate
USAA$3,527.82
Progressive$4,478.83
Nationwide$4,913.53
Farmers$5,032.60
GEICO$6,293.53
Travelers$7,619.24
State Farm$13,319.69
Liberty Mutual$18,200.69
Allstate$20,810.32
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As illustrated by the chart above, car insurance quotes can vary wildly from one company to the next. These rate differences are the result of each insurance companies underwriting procedures. Each insurance company takes a different approach to this process, but you will typically be asked to provide similar information whenever you apply for a quote online.

When shopping for insurance, you must be prepared to share details about your car and yourself. These details can include your gender, marital status, and occupation, to name a few.

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Does Fremont Insurance offer discounts?

Fremont Insurance does offer discounts, but according to its website, there are only four available to reduce the rates on your car insurance. That is a far cry from the multitude of discounts that many other major insurance companies offer:

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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As you can see, other insurance companies have far more discounts available. However, before a potentially low price tag sways you, request quotes from three different insurance companies to compare the coverage options, rates, and available discounts side-by-side. This strategy will allow you to find the best deal possible.

What You Need to Know About Fremont Insurance

Fremont Insurance is only available to Michigan drivers. This insurance company has been in business for over a century and provides a wide range of coverage that can protect both you and your vehicle. If you want a quote from this company, reach out to a Fremont Insurance representative. Fremont does offer discounts, but you may be able to obtain more savings from other insurance companies.

You can confidently shop for car insurance now that you’ve concluded this Fremont Insurance review. Enter your ZIP code to get free insurance quotes from insurance companies near you.