PEMCO Auto Insurance Review

PEMCO Mutual Insurance Company covers bodily injury liability, property damage, towing, and rental reimbursement. It has a B++ financial rating from A.M. Best.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 9, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Company Details
Address: 1300 Dexter Avenue N.
City: Seattle
State: WA
ZIP Code: 98109
Phone Number: 1‑800‑467‑3626
Year Founded: 1949
AM Best Rating: B++

Things to Remember...

  • The company has a B++ financial rating from A.M. Best
  • PEMCO coverage includes bodily injury liability, bodily injury and property damage, towing and labor, and rental reimbursement
  • PEMCO quotes can be generated by either calling PEMCO or entering your zip code into the quote tool box

PEMCO, which stands for Public Employees Mutual Casualty Company, is a mutual company owned by its customers, not stockholders.

It was founded in 1949 by Robert J. Handy, a math teacher and journalist, who wished to offer insurance to teachers.

PEMCO offers automobile policies in the Northwestern United States. The company has a B++ financial rating from A.M. Best.

Compare auto insurance quotes online by entering your zip code now!

PEMCO Automobile Insurance Policies

PEMCO coverage includes:

  • Bodily injury liability
  • Property damage liability
  • Underinsured motorists
  • Bodily injury and property damage
  • Personal injury protection
  • Collision
  • Comprehensive
  • Towing and labor
  • Rental reimbursement

In addition, the company also offers auto accidental death coverage for named insured and spouse ages 21 through 64.

PEMCO also provides auto loan endorsement for vehicles less than three years old. If the unpaid balance of the vehicle exceeds the worth, the difference is covered.

Umbrella policies are also available at PEMCO and cover the insured for additional amounts above their standard policy.

There are certain requirements for obtaining an umbrella policy, and these requirements are explained on the PEMCO site.

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PEMCO Automobile Insurance Quotes

PEMCO quotes can be generated by either calling PEMCO or entering your zip code into the quote tool box.

Once you fill out the form and hit submit to receive a quote, an agent will email you for a follow-up discussion.

PEMCO allows quotes to be saved and retrieved for review for up to thirty days.

PEMCO rates are determined by various factors such as your driver’s record, vehicle usage, place of residence, vehicle type, age, and gender.

PEMCO Automobile Insurance Discounts

PEMCO offers discounts to individuals that qualify. Discounts are granted if you also have homeowners insurance with PEMCO.

There is also a new customer discount, which individuals are eligible for in the first two years with PEMCO if they have been accident-free and violation-free.

This discount, for up to ten years, converts to a safe driver discount if you remain accident-free.

A unique discount offered by PEMCO is an alternative commute discount. If you only drive to work two days or less a week, you can save up to five percent on your policy.

Lastly, PEMCO grants a discount for multi-cars, security features, good students, and completed defensive driving courses for individuals age 55 and over.

 

PEMCO Automobile Insurance Benefits

A benefit of PEMCO is their convenient payment plans. Policyholders have the option of having the payments automatically withdrawn from their checking or savings account.

They can also pay in full, pay half now and half in six months, or subscribe to a 20 percent plan that pays the policy off in nine months.

One way PEMCO provides customer service to its customers is through their website.

Frequently asked questions and answers are available for review as well as a glossary of insurance terms.

Clients also have the ability to view their policy online under the document request service.

Lastly, policyholders can make payments online and can view explanations on how to read a bill.

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PEMCO Automobile Insurance Claims

PEMCO claims can be reported by calling PEMCO. Once the claim is reported, PEMCO will investigate to determine who was at fault.

Damages are then reviewed, along with the estimate for repairs, and payment is made. Your deductible will be refunded if you were not considered to be at fault in the accident.

Repairs can either be done at the shop of your choice or at one of the company’s “Timesaver Repair Shops” — repair shops that have been approved by PEMCO.

Policyholders work directly with the repair shop to have the necessary repairs completed, and the shop will send PEMCO the final bill.

Timesaver Repair Shops guarantee their work with a warranty for as long as you own the vehicle.

PEMCO Careers

Careers at PEMCO can be viewed on the company’s website. Potential employees have the ability to view current job openings and apply online.

Jobs can be searched by keywords, locations, categories, and posting dates. You can narrow your search by the miles you are willing to travel.

PEMCO’s employee benefits rank in the top ten list of employee benefits across the state of Washington. The benefits include:

  • 200 percent 401(k) matches
  • Bonuses
  • Health and welfare insurance
  • Flexible spending accounts
  • Benefits from PEMCO vendors
  • $30 on each family member’s birthday
  • Vacation, personal and sick days, paid holidays

PEMCO Mutual Contact Information

PEMCO’s main phone number, 1-800-GO-PEMCO, is the number to call to find answers to all of your questions regarding policies, claims, and quotes, or any other questions you may have regarding your insurance needs.

You also have the option of emailing the company via the website. Simply fill out some information and answer some questions and hit send.

Correspondence should be mailed to:

PO Box 778
Seattle, WA 98111-0778

PEMCO maintains three offices in Washington.

You can get online auto insurance quotes from active providers by typing your zip code into the free rates toolbox now!

References:

  1. https://partnerre.com/
  2. https://en.wikipedia.org/wiki/Crop_insurance
  3. https://www.investopedia.com/terms/c/catastrophe-loss-index.asp
  4. https://www.humana.com/individual-and-family/
  5. https://economictimes.indiatimes.com/definition/investment-risk

Reviews
for PEMCO Mutual Insurance Company

4.17 (100 reviews)
5
October 13, 2020

DeepakT

Great Insurance that fits into your budget

Pemco is great company. It provide insurance within our budget and also gives discounts every year. It also has great customer support
5
January 16, 2020

Happyvalley

I recommend PEMCO

I have have a policy through PEMCO for the last 7 years and always have great customer service. I recommend them for Auto and Homeowners Insurance.
5
October 10, 2019

KFaria

Fantastic!

Great company to work with. I was in a small accident last month and it was so easy to deal with. I would highly recommend them.
5
September 17, 2019

Aaiyahbaby

great

I love PEMCO. I love that I can call and immediately talk to a real, live person who can pronounce my name. I love that I can talk to a real, live person right after that who answers my questions about car and home owner's insurance and treats me like an adult worthy of respect. I have been with them for 7 years, and while I haven't had to file any claims, their customer service for my homeowners insurance has been awesome. So disclaimer: t...
I love PEMCO. I love that I can call and immediately talk to a real, live person who can pronounce my name. I love that I can talk to a real, live person right after that who answers my questions about car and home owner's insurance and treats me like an adult worthy of respect. I have been with them for 7 years, and while I haven't had to file any claims, their customer service for my homeowners insurance has been awesome. So disclaimer: this high rating is just for their customer service, which rocks my socks.
5
March 25, 2019

Ckreis

Hit and run

I had a claim of a hit and run on my vehicle. I did follow the guy home and he ended up being a neighbor that was driving under the influence and with a suspended license. I called PEMCO and they told me to go right into any company I chose and get it fixed. I had to pay $100 for the claim. It was fixed and paid for in one week. I called the police and he was arrested. PEMCO followed up on my claim and 3 months later they refunded my $100. They ...
I had a claim of a hit and run on my vehicle. I did follow the guy home and he ended up being a neighbor that was driving under the influence and with a suspended license. I called PEMCO and they told me to go right into any company I chose and get it fixed. I had to pay $100 for the claim. It was fixed and paid for in one week. I called the police and he was arrested. PEMCO followed up on my claim and 3 months later they refunded my $100. They have great customer service and low rates. My rates did not go up.
5
November 20, 2018

vic1234

Great company.

Pemco has the best customer service. My suv was parked in my driveway and it was hit in the middle of the night. It was a hit and run. It was totaled. In two weeks had my check and was completely satisfied with the amount.
4
October 16, 2018

DebbieRaffle

I've looked and this is still the best deal

Excellent customer service and good discounts. I have shopped around nearly every year and I find that my Auto and Home Owner's insurance are the best rates/coverage around. I have every discount applied, good driver, UW alum, multiple policies and this still gives me the best rate. My broker has taken the time to review this with me each year and we were even able to reduce my AUTO policy now that I take the bus to and from work and put ver...
Excellent customer service and good discounts. I have shopped around nearly every year and I find that my Auto and Home Owner's insurance are the best rates/coverage around. I have every discount applied, good driver, UW alum, multiple policies and this still gives me the best rate. My broker has taken the time to review this with me each year and we were even able to reduce my AUTO policy now that I take the bus to and from work and put very few miles on my car. I have been with PEMCO over 20 years and I highly recommend PEMCO
5
July 29, 2018

Buddywuddy

amazing ness of the beautiful world of business

this is just very good because I think that they have nice service occurring and i believe that they are doing well
5
July 18, 2018

thevaguequeen

Pemco - A rating

I've been with Pemco since I first started driving and they have always been very helpful. I've had several claims and they have fought for me, and dealt with the other insurance company and gotten me all I was due.
4
July 15, 2018

charlesB

Pemco is a good company

Not too bad; flexible with deductibles and were helpful with the claim that I initiated after an incident occurred
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