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.

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++
Company Rating 0 (0 reviews)

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.

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.

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!



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