​​Are you on the road all the time?
​​Do you prefer to spend time pedaling? Walking?
How frequently you use your car for commuting helps determine how much you're charged for insurance.

​​​​​​​​​​​​​​​​​​​Population density makes a difference in your rate. Do you live in Belltown or the Pearl? Pay a little more. In Yakima or Bend? Pay a little less.​

​​​​​​​​​​​​​​​​​​Drive a brand new car?
Treasure your 15-year-old car?
How much it costs to repair or replace your car affects how much your insurance will cost.​

​​​​​​​​​​​​​​​​​​Are you young and fearless?
A cautious adult?
Older, skilled, and confident?
Age — and experience — warrant different rates. If your age group collectively has more accidents, you'll pay higher rates. ​

​​​​​​​​​​​​​​​​​​Safe driver? Safe vehicle? Alternative commuter? Good student? Educator? More than one car? Have both your home and auto insurance with us? Get all the discounts you qualify for!​

​​​​​​​​​​​​​​​​​​How much risk can you afford? Want all the coverage you can get?
What you pay depends on your choice of deductibles and the peace of mind you add beyond what the state requires.

​​​​​​​​​​​​​​​​​​​​​We appreciate everyone in education, not just the teachers. Save up to 5% if you work for a school (public or private), community college, or university. And keep the discount when you retire!

​​​​​​​​​​​​​​​​​​​​Thanks for choosing us! For your first five years with PEMCO, Washington residents can save if your driving record shows three years with no accidents or tickets.

​​​​​​​​​​​​​​​​​​​​If you drive to work just one or two days a week (and carpool, bus, bike, or walk on the other days), save up to 5%.

​​​​​​​​​​​​​​​​​​​You save money simply for owning a car with air bags and car alarms. You're safer, your car is safer.

​​​​​​​​​​​​​​​​​​​​Insure two or more cars on the same PEMCO policy and save up to 20% on each.

​​​​​​​​​​​​​​​​​​​​>= 3.0 GPA + safe driving record = 20% savings. Keep studying!

​​​​​​​​​​​​​​​​​​​​If your child doesn't have a vehicle at school and is at least 75 miles away from home, save on your insurance. (Spend on student housing.)

​​​​​​​​​​​​​​​​​​​​Keep your driving skills sharp! For the age 55+ crowd, if you complete a certified defensive driving course, you'll save.

​Any policyholder who's a UW graduate with a bachelor's or advanced degree, living in Washington or Oregon, qualifies for this discount. Customers who qualify for the Educator Discount and graduated from the UW will receive the Educator Discount only.