Car insurance broken down…...

Tailor the perfect policy

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Rates
Explained!
​Never had an accident or a ticket?
Had just a few mishaps?
Your driving record matters when it comes to what you pay for auto insurance.​
Auto insurance rates for the Northwest
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​​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.
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​​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.​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​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.​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​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. ​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​Safe driver? Safe vehicle? Good student? Educator? Have both your home and auto insurance with us? Get all the discounts you qualify for!​
Auto insurance rates for the Northwest​​​
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​​​​​​​​​​​​​​​​​​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.
Auto insurance rates for the Northwest​​​
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Discounts
and benefits
It pays to insure your home with us, too. You'll save on both your auto and home insurance. 
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​​​​​​​​​​​​​​​​​​​​​We appreciate everyone in education, not just the teachers. Save up to 10% if you work for a school (public or private), community college, or university. And keep the discount when you retire!
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​You save money simply for owning a car with air bags and car alarms. You're safer, your car is safer.
Car insurance discounts
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Students with a 3.0 or better GPA and a safe driving record qualify for this discount. Home-schooled students also are eligible.
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​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.)
Car insurance discounts
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​​​​​​​​​​​​​​​​​​​​Keep your driving skills sharp! For the age 55+ crowd, if you complete a certified defensive driving course, you'll save.
Car insurance discounts​​​
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​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.
Car insurance discounts
​Been a safe driver with PEMCO for five or more years? Your rate won't increase after your first accident. And unlike other companies, we offer accident forgiveness to each driver on your policy, not just once per policy.
Car insurance discounts
​​​No tickets or accidents for five full renewal years? You won't see your rate increase for your first minor ticket.
 
Car insurance discounts  
​​You start getting this discount after one year with us.
Car insurance discounts  
​​You qualify for this discount when you buy a PEMCO policy seven or more days ahead of when coverage starts.
Car insurance discounts  
​​You get the Homeownership Discount just for owning your home, mobilehome, or condo.
Car insurance discounts
​​You qualify for this discount if you drive your vehicle fewer than 8,000 miles annually.
Car insurance discounts  
​​​​You get this discount if your vehicle was new within the past five model years.​
Car insurance discounts  
​​​Pay your bill either in one annual payment or two six-month payments to save even more.
Car insurance discounts