Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
PEMCO is an acronym for Public Employees Mutual Insurance Company. It was founded in Seattle in 1949. They have grown to be the largest regional insurance company in the Pacific Northwest and continue to operate as a mutual insurance company. Today PEMCO sells auto insurance and home insurance as well as a handful of personal specialty policies. The company focuses on the preferred-risk market, which means they are not a good pick for high-risk drivers or even those with a blemish or two on their record. The company states that they keep rates lower by insuring drivers whose records indicate responsibility.
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 PEMCO
|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.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
Original Equipment Manufacturer Coverage
Helps ensure aftermarket parts will not be used when repairs are made to your vehicle
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.
Covers you from legal liability or personal injury claims of your passengers if you are in an accident while working for a ridesharing service.
While all companies offer a range of car 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 PEMCO 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|
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years.
How does PEMCO compare to other insurance companies? Click the following links below to compare PEMCO to other top insurance companies.