PEMCO Insurance of Seattle Review & Complaints: Car & Homeowners Insurance (2024)
PEMCO Insurance of Seattle offers auto, home, and specialty insurance to residents of Oregon and Washington. In business since 1949, PEMCO is consistently rated by industry reviewers as a trustworthy and reliable company.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Feb 7, 2024
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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.
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: Feb 7, 2024
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
- PEMCO provides car, home, and umbrella insurance to residents of Oregon and Washington
- PEMCO is a regional mutual insurance company offering affordable car insurance rates and unique discounts
- PEMCO has been in business for more than 70 years
Since beginning operations in 1949, Public Employees Mutual Insurance Company (PEMCO) has been providing auto, home, umbrella, and boat insurance to residents of Washington and Oregon. Based in Seattle, PEMCO Insurance is a mutual group insurance company founded and controlled by policyholders.
In addition to homeowners, renters, boat, umbrella, and specialty insurance, PEMCO Insurance sells a variety of car insurance packages. Let’s take a closer look at exactly what PEMCO Insurance has to offer.
Table of Contents
PEMCO Insurance of Seattle
Despite its comparatively small size as a regional company, PEMCO offers a wide variety of car insurance packages to suit your needs. Besides traditional car insurance plans like liability, collision, and comprehensive coverage, PEMCO car insurance offers substantial optional protection plans. This feature is unusual for a local small insurance provider. Let’s consider the add-ons available with PEMCO car insurance.
Through its Timesaver Repairs Program, you can take advantage of PEMCO’s relationships with local repair shops. After an accident, contact PEMCO to get a list of participating mechanics you can choose from. You can then take your car in for repairs without the hassle of dealing with a claims adjuster. You will only pay your deductible, as PEMCO will pay the shop directly. If you feel none of the available garages are up to par, then you are free to find your own repair shop, pay for the repairs, and file for reimbursement from PEMCO.
PEMCO offers optional roadside assistance packages, coverage for custom parts and upgrades, rental car reimbursement, and key replacement. PEMCO will cover your camper or canopy if you live in Washington state. With optional pet protection, PEMCO car insurance will pay your veterinarian bills should your pet be injured in a collision.
With PEMCO car insurance, you have the ability to purchase auto loan coverage, also known as GAP insurance. This optional auto insurance coverage kicks in if your vehicle is totaled. GAP insurance will cover any difference between what you owe on your car loan and the cash value of your car.
PEMCO car insurance also offers accidental death coverage of up to $10,000 should a death result from an accident in an insured vehicle.
If you work for a rideshare company, you can bolster your employer’s insurance policy with PEMCO’s rideshare insurance. Whether you are waiting for a fare, heading to pick up a passenger, or driving someone to their destination, you’ll be covered.
Read more:
- PEMCO Umbrella Insurance: Complete Guide & Review
- PEMCO Insurance Review & Complaints: Earthquake Insurance
- PEMCO Insurance Review & Complaints: Auto, Boat, Umbrella & Home Insurance
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PEMCO Insurance Claims Process
Ease of Filing a Claim
PEMCO Insurance offers policyholders a user-friendly online platform and mobile app for filing insurance claims. This digital convenience allows customers to initiate the claims process from the comfort of their homes or on the go. Additionally, claims can also be filed over the phone for those who prefer direct assistance.
Average Claim Processing Time
While PEMCO Insurance does not specify an exact timeframe for claim processing on their website, they aim to expedite the process to ensure quick resolutions for their customers. The actual processing time may vary depending on the complexity of the claim and the availability of necessary documentation.
Customer Feedback on Claim Resolutions and Payouts
PEMCO Insurance has garnered positive customer feedback regarding their claim resolutions and payouts. Customers have expressed satisfaction with the company’s responsiveness and fair compensation for covered claims. This positive reputation contributes to PEMCO’s standing as a trustworthy insurer in the region.
PEMCO Insurance Digital and Technological Features
Mobile App Features and Functionality
PEMCO Insurance offers a mobile app that provides policyholders with convenient access to various features. Through the app, customers can view and manage their insurance policies, access digital ID cards, initiate claims, and even make payments. The app’s user-friendly interface enhances the overall insurance experience.
Online Account Management Capabilities
Policyholders can efficiently manage their insurance accounts through PEMCO’s online platform. This digital tool allows customers to review policy details, update personal information, make payments, and track claims. The platform’s accessibility ensures that customers have control and transparency over their insurance accounts.
Digital Tools and Resources
PEMCO Insurance provides a range of digital tools and resources to assist customers in making informed insurance decisions. These resources may include educational articles, coverage calculators, and FAQs. By offering these digital resources, PEMCO empowers policyholders to navigate their insurance needs with confidence.
PEMCO Insurance of Seattle Reviews & Complaints
PEMCO Insurance of Seattle is a regional small business. This means PEMCO must rely on quality customer service as a key factor in its success. As a result, PEMCO is often considered one of the best choices for auto insurance for Washington and Oregon residents.
As recently as November of 2021, PEMCO had a 0.14 ratio rating with the National Association of Insurance Commissioners (NAIC). This is an industry-leading figure and represents PEMCO’s ability to manage customer satisfaction at a superior level.
According to J.D. Power’s rankings, PEMCO Insurance scores high in customer relations. Receiving a five-star service rating in J.D. Power’s 2020 evaluation, PEMCO once again paces the nation’s leading insurance providers. PEMCO has also repeatedly won J.D. Power’s award for “Highest Customer Satisfaction among Auto Insurers in the Northwest Region.”
PEMCO Insurance maintains an A+ rating with the Better Business Bureau and consistently ranks higher than its competition on public review sites like Yelp and Google.
A.M. Best, which evaluates a company’s financial strength, gives PEMCO Insurance of Seattle a B++ rating, with a stable outlook. As a regional insurance provider, PEMCO does not possess the financial backing of a nationwide or international corporation. Still, A.M. Best considers PEMCO Insurance well enough established to meet its financial obligations and handle emergencies well.
Now we will look closer at what it’s like to be a PEMCO customer.
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Contact PEMCO Insurance
Whether you are looking for a new car insurance provider or are already a customer, you will be well advised to know the PEMCO Insurance phone number. Call a PEMCO customer service representative at 1‑800‑467‑3626 to get your questions answered.
While agents are available over the phone, perhaps PEMCO Insurance is best accessed online. The user-friendly website is full of information about all the products and services PEMCO Insurance offers, and policyholders can use it to accomplish nearly any necessary task. Here you will find contact details for email, fax, and traditional mail, and the physical address of the company.
PEMCO’s website offers instant quotes, which is hard to find in a regional company. If you need to make a payment on your PEMCO car insurance policy, you can use your PEMCO login information to pay online at your convenience.
If you’re on the go, you can access all the PEMCO Insurance website’s functionality via the Go PEMCO mobile app, available for download. Your policy is also available as downloadable proof of insurance on the app.
Whatever your communication preferences, PEMCO has a point of contact you can use. At this point, you may be asking just how much a PEMCO car insurance policy costs. We’ve done the research.
PEMCO Insurance Quote
As mentioned, you can get an instant quote from the PEMCO website. Once you do, you may find that PEMCO is not the cheapest around. Without the resources of the larger corporations, PEMCO relies on quality products and excellent customer service. These features can be expensive, but PEMCO strives to remain competitive in the local market.
To make this goal a reality, PEMCO Insurance of Seattle offers a slew of helpful discounts. These include a bundle discount for customers purchasing auto and home insurance from PEMCO.
University of Washington alumni, educators at all school levels, and public or private school employees can save with PEMCO. Students with a GPA over 3.0 or who travel more than 75 miles to school are also eligible for discounts.
Add safety features like airbags or car alarms to your vehicle, and see how much you can save on your PEMCO car insurance policy. If you’re over 55, you can take a certified defensive driving course to reduce your car insurance rates.
Accident and minor ticket forgiveness benefits are available with PEMCO car insurance. If you go accident-free for five years, you won’t receive a rate increase after a minor accident. If you go five years without a traffic ticket, you can avoid a rate hike on your next minor ticket.
Once you’ve been a PEMCO car insurance customer for one year, you become eligible for the loyal auto customer discount. Discounts are also in play to reward homeownership, low mileage, or driving a car less than five years old.
If you pay your bill in full in one or two payments, PEMCO will reward car insurance customers with substantial savings. They will do the same for customers who receive a quote at least one day prior to obtaining a policy.
If you are moving off of someone else’s policy, PEMCO Insurance will offer discounted rates when you establish your own new policy.
All of these available discounts help make PEMCO car insurance affordable, despite the regional company’s initially higher rates. This means you can get the service and reputation of PEMCO car insurance without breaking the bank.
A Final Word on PEMCO Insurance of Seattle
If you don’t mind a bit of a higher initial rate and can qualify for any of several discounts, your car insurance budget can be well applied to a policy with PEMCO Insurance. If you live in Oregon or Washington, consider the quality customer service and premium options available with PEMCO Insurance. You might find the personal touch and local knowledge to be just what you need.
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Frequently Asked Questions
What types of insurance does PEMCO Insurance of Seattle offer?
PEMCO Insurance of Seattle offers auto insurance, home insurance, umbrella insurance, boat insurance, and specialty insurance.
How can I contact PEMCO Insurance of Seattle?
ou can contact PEMCO Insurance of Seattle by calling their customer service representative at 1-800-467-3626. They also provide contact information on their website for email, fax, and traditional mail inquiries. Their physical address is available as well.
How long has PEMCO Insurance been in business?
PEMCO Insurance has been in business since 1949, making it more than 70 years old. It is a regional mutual insurance company founded and controlled by policyholders. Despite being a regional company, PEMCO offers a wide range of insurance products and has established a strong presence in Washington and Oregon.
Does PEMCO Insurance cover rideshare drivers?
Yes, PEMCO Insurance offers rideshare insurance for individuals who work for rideshare companies. This coverage can supplement your employer’s insurance policy and provide coverage while you are waiting for a fare, heading to pick up a passenger, or driving someone to their destination.
Is PEMCO Insurance available to residents of Oregon and Washington only?
Yes, PEMCO Insurance primarily serves residents of Oregon and Washington. It is a regional insurance provider focused on these two states.
Can I file a claim with PEMCO Insurance online?
Yes, PEMCO Insurance allows policyholders to file claims online through their user-friendly website or mobile app. You can submit the necessary information and documentation online for a faster and more convenient claims process.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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.