Are you looking to buy car insurance in Washington or Oregon? Certainly, you'll be looking for cheap car insurance. There are a lot of insurers in these states. Still, you'll be planning to buy affordable car insurance with lots of coverage and discounts. If so, Pemco car insurance can be a great choice!
Pemco stands for Public Employees Mutual Insurance Company. The policyholders control Pemco car insurance as its a mutual insurance firm. Affordable pricing is what makes Pemco unique among other insurers. Even though it's been one of Northwest's finest car insurance providers for the past years, you should still get multiple quotes and compare before deciding on one.
So, how much does Pemco car insurance cost? How can you get a Pemco car insurance quote? What are the coverages and discounts provided? Our review will answer all that!
Pros and Cons
Offers affordable premiums.
Limited availability. The car insurance is only available in Oregon and Washington.
Provides good customer service.
Low financial strength score.
Availability of many coverages and unique discounts.
Insurance rates for drivers with offenses are higher.
It covers the gap between what drivers owe on their car and its current cash worth in case of a total loss.
Emergency roadside service
Although coverage varies by insurer, it often includes lockout services, towing, labor to fix a flat tire, and jump starts for dead batteries.
Non-owner liability coverage
This coverage is for those who use a car they do not own. Businesses who want to protect their staff members while they drive their cars to work also use it. This coverage may also apply to rental cars in some situations.
Original Equipment Manufacturer Coverage
It is an optional policy that mandates that following an accident or component failure, repair shops can only install original manufacturer equipment to the car.
If your pet gets killed or hurt in a covered collision loss, it will pay up to $1,000.
Pemco Average Auto Insurance Rates
A driver needs to pay around $1,044 to buy Pemco car insurance. However, the premium will be lower if you insure multiple cars under the same policy. Your driving history, age, gender, marital status, and address will all be considered when you buy Pemco auto insurance. It will also examine your car's make and model, insurance history, and driving habits, among other things.
Pemco Average Insurance Cost by State
The insurance is only available in two states - Oregon and Washington. The average monthly rate in Washington is higher than the average insurance rate. On average, a driver must pay around $1,068 for buying Pemco car insurance in Washington.
Though Pemco car insurance is affordable, how can you further lower the premiums? It is by using the various discounts that the insurer offers. Pemco can be a good choice for drivers in Oregon and Washington as it offers many discounts.
What It Means
Auto plus home
You can save when you combine home and auto insurance.
A discount for early policy purchases is available for new plans bought at least seven days before the start of coverage.
Paid in full
Available if you make a single annual or two payments of six months each.
You'll get this discount for vehicles under five model years old.
You can get a discount if you drive fewer than 8,000 miles annually.
Discount for Pemco customers who own a house, a mobile home, or a condo.
Loyal auto customer
Available after holding an auto insurance policy for more than a year with Pemco.
Minor ticket forgiveness
If you haven't had an accident or received a ticket in five years, there won't be a premium hike for your first small violation.
If you've been accident-free for five years, there won't be an increase in your premium following your first small accident.
University of Washington alumni
Available for graduates of the University of Washington with a bachelor's or higher degree.
This discount is available if a student doesn't have a car at school and studies more than 75 miles from home.
Full-time students between 16 and 24 can get this discount with a 3.0 GPA.
You can get this discount if your car has airbags and alarms.
Discount for motorists 55 or older who have finished a recognized defensive driving course.
Discount for all employees working for schools, colleges, or universities.
See what you could save on auto insurance
Pemco Auto Insurance Customer Satisfaction
Many of the customers are happy with Pemco car insurance rates. Customers are also happy with the customer service Pemco offers while they make claims. However, some customers complain that the insurance company raised the premiums without any reason. Also, there were complaints about delays in getting claim payouts.
Pemco car insurance will be ideal for those who live in Washington and Oregon and don't want to spend much on auto insurance. Due to Pemco's tiered rate structure, the prices may become an issue if you have any penalties or accidents on your record. However, they have a long list of discounts, which may lower the cost of your car insurance.
Additionally, Pemco aims to draw in low-risk homes and drivers. Suppose you have a long history of safe driving with no tickets for speeding, accidents, or other violations. In that case, you could get Pemco's lowest prices. Another concern is the low financial strength of the company. It has only a 'B++' rating from AM Best. So, claim payouts may get delayed.
Despite having fewer options than some of the larger insurers, Pemco's website is still well-designed and helpful. It supports all fundamental operations, including requesting a quote, making a payment, and filing a claim. You can also use the mobile app. The same features as the website are available, plus you can download your insurance evidence if you get pulled over.
So, buy Pemco car insurance if you want an affordable insurance policy with many coverages and discounts. But, if you're looking for an insurer with good financial stability, Pemco won't be the right choice!
About Pemco Auto Insurance
Robert J. Handy, a Seattle educator, founded the Seattle Teachers Credit Union in 1936 when Pemco first began. That credit union gave rise to seven different businesses, the biggest of which is today known as PEMCO Insurance. In the meantime, the Seattle Teachers Credit Union has changed its name to Inspirus Credit Union.
Pemco, the largest personal lines insurer in the Pacific Northwest, provides auto, house, boat, and umbrella insurance to clients in Oregon and Washington. Pemco's headquarters is in Seattle's South Lake Union technology neighborhood. Regional offices are in Spokane and Lynnwood.
Type of Contact
PO Box 778
Seattle, WA 98111-0778
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com