Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Founded in McMinnville, Oregon in 1894 by a close group of business owners, Oregon Mutual remains the oldest independent mutual insurance company west of the Mississippi. As a mutual insurance company, Oregon Mutual does not have to answer to shareholders, they answer to their policyholders, meaning they are able to keep their rates as low as possible. It sells basic personal auto, home, and business insurance through independent agents across their service area. Having a good reputation, Oregon Mutual might appeal to insurance shoppers who like to work with an agent and prefer a smaller, regional insurance company to a larger corporation.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Oregon Mutual
|Available Option||What it means|
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Comprehensive Claim Forgiveness
Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.
If your pet is injured in an accident, this insurance will cover their expenses.
Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.
Airbag Replacement Coverage
Covers your replacement airbags and labor should they need replacement
An option on your insurance that rewards the driver with a smaller deductible each year they do not get into an accident.
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Oregon Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Anti Theft Device
This discount is for cars with alarms and other theft deterrents. It typically only applies to comprehensive coverage, however.
While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.
Most often only applies to older drivers who take a certified defensive driving course.
How does Oregon Mutual compare to other insurance companies? Click the following links below to compare Oregon Mutual to other top insurance companies.