Oregon Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2024)
Oregon Mutual Insurance is a smaller insurance company that offers auto, home, and business insurance policies in four states. They do not offer online quotes as they sell their plans directly through agents
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Dec 29, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
On This Page
Serving the west coast for more than 120 years, the Oregon Mutual insurance company is the oldest independent mutual company west of the Mississippi. They write auto insurance, homeowners insurance, and business insurance policies in four states.
What Is Oregon Mutual?
Oregon Mutual was founded in 1894; like most mutual companies it was born out of a gathering of locals looking to provide an affordable insurance option. From its roots in its namesake state, Oregon Mutual expanded to provide coverage in Washington, California, and Idaho as well.
The company’s headquarters is located in McMinnville, Oregon, and they continue to operate as a policyholder-owned mutual company. Western Protectors Insurance Company is a subsidiary of Oregon Mutual.
Basic personal auto, home, and business insurance are sold through independent agents across their service area.
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What products are offered?
Oregon Mutual’s product lineup is basic; they write auto insurance as well as several types of home insurance and business policies. The company website does not offer much in the way of information on these policies, instead directing visitors to contact an agent.
Auto Coverage
The company has a very comprehensive auto insurance program called Custom Shield, offering a lot of options on top of the basics. This includes some of the trendier add-ons in the auto insurance industry like diminishing deductible and accident forgiveness, as well as less common endorsements like pet injury and lock replacement. Auto insurance policies vary from state to state.
They also have a good list of policy discounts, including a military discount and a loyalty discount. Overall their auto program appears to be on par with those offered by much larger insurance companies.
Home Insurance
The Oregon Mutual home insurance program is available for single-family homes, condos, and renters insurance as well.
The website does not provide any information regarding standard or optional coverage for these policies.
Business Insurance
The company offers commercial package policies to a variety of businesses, including the state’s thriving winery industry. They specialize in small to medium-sized businesses and also cover hospitality, restaurants, farms, and other types of agribusiness.
Business policies can be customized to provide the coverage options needed by each individual company.
Are the company’s rates competitive?
Oregon Mutual does not offer an online quoting option for its costs, and the “Get a Quote” button really just directs the visitor to enter contact information, so we don’t have average car insurance rates for the company. An agent will then respond and assist with creating a quote.
This is not uncommon for a company of this size, but the way it is set up on the website is a bit misleading, and it will likely result in solicitation.
As a general rule, we do not expect smaller companies like this one to compete regarding rates with the big direct companies. They usually rely instead on good service to provide extra value.
Oregon Mutual Insurance: Simplifying Excellence in Claims Processing
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Oregon Mutual Insurance offers a convenient claims process with 24/7 service. Customers can report a claim via a toll-free number, ensuring accessibility at any time. They also have specific phone numbers for glass-only claims and roadside assistance claims.
Average Claim Processing Time
While specific details about the average claim processing time are not provided, Oregon Mutual Insurance’s 24/7 claims service indicates a commitment to a prompt response to claims. However, the exact processing time may vary depending on the nature and complexity of the claim.
Customer Feedback on Claim Resolutions and Payouts
Oregon Mutual Insurance holds an A+ rating from the Better Business Bureau (BBB), and customer complaints are minimal. There are mixed customer reviews on Yelp, with both positive and negative experiences. Overall, the company appears to have a satisfactory track record in terms of claim resolutions and payouts.
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Oregon Mutual Insurance: Pioneering Your Coverage With Advanced Digital and Technological Features
Mobile App Features and Functionality
Oregon Mutual Insurance does not offer online quotes, and information about a dedicated mobile app is not provided in the available content. Therefore, it’s unclear whether they offer specific mobile app features and functionality for policyholders.
Online Account Management Capabilities
The content does not mention online account management capabilities offered by Oregon Mutual Insurance. Policyholders may need to contact the company directly or check their official website for information regarding online account management tools.
Digital Tools and Resources
Information about digital tools and resources, such as online policy management or educational materials, is not included in the available content. Customers interested in these features should reach out to Oregon Mutual Insurance for more details.
Does the company have positive ratings and consumer reviews?
The Better Business Bureau (BBB) gives Oregon Mutual an A+ rating, with only two customer complaints on file in the past three years. There has not been a complaint closed in the past 12 months.
There are six customer reviews of Oregon Mutual car insurance reviews on Yelp, a few highly positive and a few negative. One of the reviewers came back to offer an updated, positive review after having left a negative review.
Overall there is nothing of major concern either in the content or in the volume of the complaints.
What’s the bottom line?
The information on Oregon Mutual is limited, which makes it hard to come to any real conclusion about their products or service. They seem to have a good reputation, and they might appeal to insurance shoppers who like to work with an agent and prefer a smaller, regional insurance company to a larger corporation. If you live in Oregon, Washington, Idaho, or California, they’re worth considering.
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Frequently Asked Questions
What insurance products does Oregon Mutual offer?
Oregon Mutual offers auto insurance, home insurance (including coverage for single-family homes, condos, and renters), and business insurance. They provide a comprehensive auto insurance program called Custom Shield, which offers various options and endorsements. Their business insurance policies cater to small to medium-sized businesses, including those in the hospitality, restaurant, and agribusiness industries.
Are the rates offered by Oregon Mutual competitive?
Oregon Mutual does not provide online quotes for their insurance policies. To obtain a quote, you will need to contact an agent who will assist you further. As a smaller insurance company, their rates may not directly compete with larger direct companies. However, they aim to provide value through their customer service and personalized coverage options.
How are claims processed by Oregon Mutual?
Oregon Mutual offers 24/7 claims service with a toll-free number to report a claim. They have different phone numbers for glass-only claims and roadside assistance claims. In most states, they operate a preferred repair network called Customer Automobile Appraisal and Repair Service (CAARS), which comes with a guarantee. However, customers are free to choose any repair shop of their preference. The website provides basic instructions for customers on what to do after a loss, but specific details about the claims process are not mentioned.
Does Oregon Mutual have positive ratings and reviews?
Oregon Mutual has an A+ rating from the Better Business Bureau (BBB) with minimal customer complaints in the past few years. On Yelp, there are six customer reviews of Oregon Mutual car insurance, with a mix of positive and negative experiences. Overall, there are no major concerns or significant volumes of complaints regarding the company’s ratings and reviews.
What is the background of Oregon Mutual Insurance?
Oregon Mutual was founded in 1894 as an independent mutual company in Oregon. Over the years, it expanded its coverage to Washington, California, and Idaho. The company remains policyholder-owned and operates through independent agents. They also have a subsidiary called Western Protectors Insurance Company.
Why should I consider Oregon Mutual Insurance?
Oregon Mutual may appeal to individuals who prefer working with an agent and value a smaller, regional insurance company. With a long history and positive reputation, they offer auto, home, and business insurance policies. If you reside in Oregon, Washington, Idaho, or California, Oregon Mutual is worth considering for your insurance needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.