Looking for discounts on car insurance?

Start by knowing all the discounts PEMCO offers

Car insurance discounts for teachers? Good students? Defensive drivers? Auto and home insurance discounts? They’re all here to help you cut your car insurance costs.

Auto and Home Discount

Insure your autos and home (whether you own or rent) with PEMCO, and we’ll trim your bills for both!

Educator Discount

Save if you work for a school (public or private), community college, or university. Keep the discount when you retire.

Safety/Security Feature Discount

Airbags and car alarms save you money.

Good Student Discount

Save with your GPA of 3.0 or higher.

Distant Student Discount

You’ll save if your student attends school more than 75 miles from home and does not have a car at school.

Defensive Driver Discount

Drivers age 55+ can save when they complete a certified defensive driving course.

University of Washington Alumni Discount

If you have a bachelor’s or advanced degree and live in Washington or Oregon, you qualify! (Graduates who also qualify for the Educator Discount will receive the Educator Discount only.)

Accident Forgiveness Benefit

Been a safe driver with PEMCO for five or more years? Your rate won't increase after your first minor accident. And unlike other companies, we offer accident forgiveness to each driver on your policy, not just once per policy.

Minor Ticket Forgiveness Benefit

No tickets for five years? You won't see your rate increase for your first minor ticket.

Loyal Auto Customer Discount

You start getting this discount after one year with us.

Advance Purchase Discount (for new business)

You qualify for this discount when you buy a PEMCO policy seven or more days ahead of when coverage starts.

Homeownership Discount

You get the Homeownership Discount just for owning your home, mobilehome, or condo.

Low Mileage Discount

You qualify for this discount if you drive your vehicle fewer than 8,000 miles annually.

New Vehicle Discount

You get this discount if your vehicle is fewer than five model years old when your policy becomes effective.

Paid in Full Discount

Pay your bill either in one annual payment or two six-month payments to save even more.

Finish with the best car insurance in Washington and Oregon

With PEMCO, you get more than a competitive price. You also get award-winning customer satisfaction! PEMCO is insurance for responsible drivers. Your policy automatically includes savings based on:

  • Low mileage
  • Repair costs specific to your model of car
  • Safe driving
  • Accident-free driving
  • Choice of deductibles