Two specialty carriers. One covers your custom parts better. The other protects track days. American Modern and Foremost offer genuinely different protection for different riders, and picking the right one could save you hundreds while covering what actually matters.

We've analyzed their coverage limits, package options, and real pricing from both carriers to show you exactly where they differ. In the next few minutes, you'll see exactly which carrier matches your bike type.

TL;DR

• American Modern suits riders who want strong custom parts coverage ($3,000 included) and replacement cost protection, with fewer package tiers to choose from.
• Foremost is ideal if you need track-day coverage or prefer flexible package options with first-accident forgiveness built in.
• With American Modern, you can save on multi-bike bundles, safety course completion, and homeownership discounts.
• Foremost offers multi-policy savings when you bundle with other Farmers products.

Quick Comparison: American Modern vs Foremost Motorcycle Insurance

Let's see how both insurance companies stack up:

How Does Coverage Differ for Custom Parts and Accessories?

American Modern includes $3,000 of custom parts and accessories coverage automatically when you add collision or comprehensive protection. This applies to permanently attached add-ons like saddlebags, exhaust systems, and chrome upgrades. You can request higher limits if you've invested more in aftermarket gear.

In contrast, Foremost ties custom parts coverage to your package tier. The Saver package offers optional equipment add-ons. The Plus package includes $3,500, while the Elite package bumps it to $5,000 at replacement cost. If you ride a vintage chopper loaded with custom work, that Elite tier might save you headaches down the road.

What About Track-Day and Riding School Coverage?

Here's where the two carriers split paths. American Modern doesn't advertise track-day coverage in its standard motorcycle offerings. If you plan to hit the track for fun or training, you'll need to confirm eligibility with your agent.

Foremost explicitly includes track-day coverage in its Plus and Elite packages. That means your bike has protection during organized track events and rider education courses. Foremost removes a major coverage gap for sport bike owners who regularly book track days, while other insurers often exclude or charge extra to fill this gap.

Which Carrier Offers Better Roadside Assistance and Towing?

American Modern sells towing and emergency road service as an optional add-on, whereas Foremost bundles this coverage into all three package levels from the start. You'll get help with flat tires, dead batteries, and lockouts from either carrier. The distinction lies in how it's delivered and what else comes with it.

American Modern pairs its roadside coverage with travel loss reimbursement if your bike breaks down 100+ miles from home. That means meals, lodging, and alternate transportation get covered when you're stranded far from your garage.

Meanwhile, Foremost includes similar trip interruption benefits in its Plus and Elite tiers, but the coverage comes standard rather than as an add-on you might forget to select.

What Discounts Can Lower Your Premium?

American Modern rewards loyalty and lifestyle choices differently from Foremost, which approaches savings. American Modern offers up to 20% off for homeowners who've owned property three or more years, compared to Foremost's focus on multi-policy bundling with Farmers or Bristol West products.

If you already insure your home and car through Farmers, stacking that with Foremost motorcycle coverage delivers better total savings than American Modern's standalone homeowner discount.

What's more, American Modern gives you 10% for two bikes and 15% for three or more, while Foremost also discounts multiple units but emphasizes AARP member rates for riders over 50. Claims-free renewals save you 3% in your first year and 5% thereafter with American Modern.

In contrast, Foremost's first-accident forgiveness means your first at-fault claim won't spike your renewal premium at all—a different kind of savings that protects your rate instead of reducing it upfront.

Which Bikes and Niches Do They Cover Best?

American Modern covers cruisers, sport bikes, touring bikes, dirt bikes, trikes, mopeds, dual-sport machines, and scooters.

They're comfortable with custom builds and higher-value bikes. If you own a classic or vintage motorcycle, American Modern has experience writing agreed-value policies that don't depreciate your bike's worth over time.

Foremost markets itself as covering "nearly everything" on two or three wheels. That includes cruisers, sport bikes, classics, electric motorcycles, scooters, and even low-speed electric vehicles. Foremost explicitly welcomes vintage and collector bikes. If you ride something unusual like an e-bike that needs liability coverage, Foremost's broad appetite makes quoting easier.

How Do Claims and Customer Service Compare?

American Modern provides 24/7 claims filing by phone and online through their policyholder portal, while Foremost adds mobile app access and specialized motorcycle claims adjusters to the mix.

You can reach American Modern's customer service Monday through Friday, 8:00 AM to 8:00 PM Eastern Time. Conversely, Foremost offers round-the-clock support through its connection to the larger Farmers Insurance Group network.

The real difference emerges during complex claims. Foremost assigns motorcycle-specific adjusters who understand the nuances of bike repairs and manages mobile claims centers that deploy to disaster zones. American Modern handles claims efficiently but operates with more limited service hours outside its chatbot for basic billing questions.

If you value after-hours human support or anticipate needing an adjuster who knows the difference between a swingarm and a triple tree, Foremost's specialized approach delivers more peace of mind

Which Carrier Matches Your Riding Style?

You should pick American Modern if you ride a heavily customized cruiser or touring bike loaded with aftermarket parts. The flat $3,000 accessory coverage and strong homeowner discount (20%) are ideal for riders who want coverage without having to choose between package tiers.

Go for Foremost if you regularly book track days or racing schools, since their Plus and Elite packages include this coverage automatically. AARP members over 50 get exclusive rates that American Modern doesn't match.

If you already insure your home or car through Farmers or Bristol West, bundling with Foremost unlocks multi-policy discounts that outweigh standalone savings elsewhere.

Get a Quote with Roamly

Roamly connects you with multiple motorcycle insurance carriers, including American Modern and Foremost, where available. We'll shop your coverage across our partner network to find competitive rates that fit your riding style. Request a quote, answer a few quick questions, and let us do the heavy lifting. Your next adventure is calling. Make sure you're covered before you answer.

Disclaimer: This article provides general information and is not a substitute for professional insurance advice. Roamly Insurance Group, LLC is a licensed agency. Policies are underwritten by partner carriers; availability and terms vary by state. Coverage is subject to policy terms, conditions, limitations, and exclusions. Rates and discounts vary and are determined by many factors.