With custom-made insurance policies, award-winning buyer satisfaction, nice costs, and a robust give attention to neighborhood, Pemco Auto Insurance has established a reputation for itself within the regional auto insurance coverage business. Here, we take an in depth have a look at Pemco’s auto insurance coverage opinions, protection choices, reductions, and extra.
We additionally reviewed the finest automotive insurance coverage suppliers within the nation based mostly on various factors equivalent to protection, prices, monetary stability, and availability. While Pemco could not have made it on that checklist, it’s undoubtedly some of the common suppliers within the Pacific Northwest.
Whenever you store for automotive insurance coverage, we suggest getting quotes from a number of suppliers so you possibly can examine protection and charges.
Pemco Car Insurance Rating
Our evaluate crew thought of Pemco from many angles and rated it 4.3 stars total. This rating contains rankings for reliability, availability, protection, cost, service, and know-how. Below, you possibly can see our rankings in every of those classes.
Pemco Pros And Cons
Below are just a few professionals and cons we present in our Pemco Insurance evaluate.
About Pemco Auto Insurance
Pemco was based in 1942 by Robert J. Handy as an auto insurance coverage firm for academics who had been members of the School Employees Credit Union of Washington. It later expanded its choices to incorporate home, renters, apartment, umbrella, life, and boat. The firm is headquartered in Seattle, Washington and offers protection to prospects within the states of Washington and Oregon.
Pemco is a mutual insurance coverage firm, which implies it’s owned by its policyholders. Pemco stands for “Public Employees Mutual Insurance Company.”
Pemco is understood to take an lively position within the communities it serves, donating to worthy causes and inspiring workers to take paid time without work to volunteer at charities.
Pemco Auto Insurance Coverage
Pemco has an enormous vary of automotive insurance coverage protection choices to go well with completely different wants. You can get all the usual protection choices from the corporate:
- Liability property harm: Helps pay for damages to the opposite person’s automotive and/or property and court docket protection prices if you’re answerable for the crash.
- Bodily damage legal responsibility insurance coverage: Helps pay for damage and protection prices in lined accidents.
- Personal damage safety (PIP): Pays for medical bills, earnings loss, and extra should you, your loved ones, or different passengers in your automotive are injured in an accident (required in Oregon).
- Uninsured/underinsured motorist: Pays for medical prices and different associated bills if a lined person is injured in a automotive accident attributable to an uninsured or underinsured motorist (required in Oregon).
- Collision insurance coverage: Pays for automotive harm in an accident and comes with a deductible (required in case your automotive is financed).
- Comprehensive insurance coverage: Covers automotive harm from theft, fireplace, pure causes, vandalism, and so forth.
The protection choices above are customary for any insurance coverage firm. Below, you possibly can see particulars on the additional add-ons Pemco gives.
Pemco Auto Insurance Cost And Discounts
Our price knowledge reveals Pemco prices about $1,063 per 12 months or $89 per 30 days for full-coverage insurance coverage and $291 per 12 months or $24 per 30 days for minimum-coverage insurance coverage. These charges apply to a single 30-year-old male driver with good credit score and a very good driving report in Washington State.
Pemco prices can differ relying on many components in your driving profile. Below, now we have Washington charges for Pemco based mostly on completely different conditions. Our knowledge reveals Pemco is extra inexpensive than the state common in every state of affairs.
Pemco Cost In Washington By Age
Your age can dictate what you pay for insurance coverage to a big diploma. Below, you possibly can see how Pemco compares to the Washington common for various ages with full-coverage insurance coverage. Again, Pemco is cheaper than the state common right here.
Pemco Discounts
Pemco gives a lot of reductions and advantages that may assist drive your ultimate automotive insurance coverage coverage prices down:
- Auto plus home low cost: When you bundle home (hire or personal) and auto insurance coverage (bundling applies to boat and umbrella insurance policies in Washington)
- Educator low cost: For all workers of faculties, faculties, or universities
- Defensive driver low cost:For drivers aged 55 and above who’ve accomplished a licensed defensive driving course
- Good scholar low cost: Available for full-time college students between ages 16 and 24 with a GPA of three.0 or larger
- Distant scholar low cost: Available if the coed research greater than 75 miles away from home and doesn’t have a automotive at college
- Accident forgiveness: No price enhance after your first minor accident should you’ve been accident-free for 5 or extra years
- Minor ticket forgiveness: No price enhance in your first minor ticket should you haven’t had a ticket or accident in 5 years
- Loyal auto buyer low cost: Available after having a coverage for a couple of 12 months with Pemco
- Homeownership low cost: For prospects proudly owning a home, cellular home, or apartment
- Low mileage low cost: Available should you drive your automotive lower than 8,000 miles a 12 months
- New automobile low cost: For automobiles lower than 5 mannequin years old
- Paid in full low cost: Available should you pay in a single annual fee or two six-month funds
- Advance buy low cost: Available for brand new insurance policies bought a minimum of seven days earlier than protection begins
- Paperless low cost (WA solely): Get a reduction for utilizing digital coverage paperwork
- Spin-off low cost: Applies should you had been on another person’s Pemco coverage after which began your individual
Pemco Usage-Based Insurance
Even although it’s a small insurance coverage firm, Pemco gives a usage-based program known as Pemcodometer. When you enroll, you get a small low cost for taking part. The Pemco app will then monitor your driving habits for 91 days. After that, you’ll get a reduction based mostly on how protected you drive. You can save as much as 20 %.
Pemco App
Pemco policyholders can use the Go Pemco app to access paperwork, view ID playing cards, pay payments, make adjustments to protection, discover native restore outlets, and extra. The app has good rankings from prospects. It has a 4.1-star score on Google Play and a 4.4-star score on the Apple App Store. Most prospects say the app works properly, although just a few have had points with the Pemcodometer not displaying a constant rating based mostly on driving.
Pemco Auto Insurance Reviews
Pemco’s mission is to, “free our communities to worry less and live more.” The firm focuses on Northwestern residents and highlights how vital it’s for patrons to have insurance coverage from corporations who perceive their particular wants.
But does it reside as much as its promise? We took a have a look at what Pemco prospects must say on-line.
While Pemco has an A+ score from the Better Business Bureau (BBB), we seen just a few buyer opinions relaying dissatisfaction as a result of price will increase. In basic, coverage charges might be affected by a lot of components, together with adjustments to your credit score, tackle change, tickets, accidents, and so forth. Pemco doesn’t provide a price lock for its auto insurance coverage insurance policies.
Our crew likes how Pemco has a well-designed on-line portal and cellular app for its prospects the place they’ll create an account to view all their insurance policies, make adjustments, pay payments, and file claims. Even prospects with out an internet account can nonetheless pay their payments utilizing their coverage quantity, title, and ZIP code. We have seen that such options give prospects extra transparency and elevated management over their insurance policies, which may result in larger ranges of satisfaction.
The 2023 J.D. Power Auto Insurance Customer Satisfaction Study ranks Pemco Auto Insurance second highest within the Northwest area. The 2023 research took into consideration a number of components like coverage choices, value, billing course of, claims, and coverage info and was based mostly on responses from over 41,000 prospects.
Pemco Auto Insurance Reviews: Our Take
Pemco is an efficient choice should you reside in Oregon or Washington and desire a native automotive insurance coverage firm with inexpensive common charges. Pemco gives loads of protection choices and extras for quite a lot of conditions.
Top Auto Insurance Companies
As with any main buy, we suggest you store round and get a minimum of three quotes from auto insurance coverage suppliers earlier than you get automotive insurance coverage. We suggest State Farm and Liberty Mutual.
State Farm: Best Overall Provider
State Farm is our high decide for automotive insurance coverage within the trade. It gives choices and reductions that may apply to many alternative drivers, together with a very good scholar low cost of as much as 25 %. You can save as much as 30 % should you’re a very good driver and also you take part within the Drive Safe & Save™ program. Young drivers can full the Steer Clear® program to enhance their driving abilities and get a reduction, too.
Learn extra in our State Farm automotive insurance coverage evaluate.
Liberty Mutual: Best Customizable Coverage
Liberty Mutual has one of many widest protection alternatives of any supplier. It gives 19 choices together with academics’ auto insurance coverage, new automotive alternative, accident forgiveness, and unique components alternative. You may even get higher automotive alternative, which covers the cost for a mannequin one 12 months newer. These choices make it simple to customise a plan that’s proper in your state of affairs.
Learn extra in our Liberty Mutual insurance coverage evaluate.
Pemco Insurance Reviews: FAQ
Below are just a few continuously requested questions on Pemco insurance coverage.
How We Rate Pemco Insurance
Our evaluate crew extensively researches auto insurance coverage suppliers to ship knowledgeable and unbiased assessments of main corporations. We consider a number of key score components which might be vital to customers to find out which suppliers are one of the best within the trade:
- Reliability: It’s vital that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary energy score from AM Best rating finest on this class. Established insurers with a protracted historical past of dependable service additionally obtain constructive marks.
- Availability: Insurance corporations that supply wider availability to customers by way of state availability and few eligibility necessities usually tend to meet shopper wants.
- Coverage: To decide our protection rating, we have a look at the variety of protection choices available in addition to protection limits and deductible choices. Our rankings additionally take note of further companies and advantages like roadside help.
- Pricing: Cost might be troublesome to check between insurers as a result of so many components impression annual premiums. The least expensive insurer for one driver will not be the most affordable for an additional. To decide our cost rating, we have a look at insurance coverage price estimates generated by Quadrant Information Services, low cost alternatives, and shopper studies.
- Service: We comb by way of buyer opinions on websites just like the Better Business Bureau (BBB) to find out about buyer experiences. Insurers with a low quantity of complaints rating properly on this space. We additionally contemplate the claims course of, giving larger rankings to automotive insurance coverage suppliers that supply a easy expertise.
- Technology: Providers with an internet quote device, easy-to-use claims app and a usage-based insurance coverage app rating finest on this class.
*Data correct at time of publication.