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Motorcycle Safety Course Discount: 5%

This discount is applied if the operator has taken an approved course within the last 3 years. This discount does not apply to low-speed vehicles.

Motorcycle Safety Course Instructor Discount: 5%

This discount is applied if the operator has instructed an approved Motorcycle Safety Course within the last 3 years. This discount does not apply to low-speed vehicles.
If a policy qualifies for both the Safety Course and Safety Course Instructor Discounts, only one discount will apply.

Multi-Vehicle Discount: 10% – 30%

• 10% for two vehicles • 20% for three vehicles
• 30% for four or more vehicles
This discount does not apply to low-speed vehicles.

Mature Driver Improvement Course Discount: 5%

This discount is applied if the operator has taken an approved course within the last three years and is at least 55 years of age. This discount applies to Bodily Injury (including Passenger Liability) and Property Damage coverages.

Good Driver Discount:

Motorcycles: Operators must be licensed to drive a motorcycle.
Low-Speed Vehicle: Operators must be licensed to drive an automobile.
Years of Experience: Operators must have 3 or more years of experience.

For motorcycles years of motorcycle driving experience is used. For Low-Speed Vehicle years of driving experience is used. Operators of the three-wheeled motorcycles are not required to have a motorcycle endorsement on their driver’s license under CA law. Therefore, only a valid driver’s license is required for the Good
Driver Discount on three-wheeled motorcycles.

In addition to qualifying for this discount, the operator must:
• Have no more than one (1) California Department of Motor Vehicle (DMV) point during the past 3 years, and
• Have no chargeable at-fault accidents in the past 3 years involving bodily injury or death.
• Have no more than one (1) chargeable at-fault accident involving property damage exceeding $1,000.
• Have no convictions for certain DUI or manslaughter violations within the last 10 years.
• A 25% discount applies to Collision and Other Than Collision coverages.
• A 20% discount applies to all other coverages.

Persistency Discount: 10%

This discount is applied if the operator has had one full year of motorcycle or low-speed vehicle insurance with Foremost or an affiliated company. No lapse in coverage is allowed.

Airbag Discount: 5%

A discount will be applied to Medical Payments coverage for vehicles equipped with a factory installed airbag system.

Anti-Lock Brake Discount: 15%

A discount will be applied to Collision Coverage for vehicles equipped with a factory installed Anti-Lock Braking System (ABS). This discount does not apply to Classic motorcycles.

Multi-Policy Discount: 10%

Available when the named insured maintains one or more personal lines or life policy with Foremost, Farmers®, Bristol West or 21st Century. A life policy must be a term, whole, universal or variable universal policy, have a face amount of $50,000 or greater, be issued to an adult and be in force.

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*Not all Discounts, Surcharges & Fees apply to all coverages