Press Releases

How PEMCO is helping customers, employees, communities in COVID-19 times

Friday, April 10, 2020by  PEMCO Insurance
PEMCO will give all policyholders a 15% credit on their monthly auto policy premium through October 2020.

For more than 70 years, people have always been our top priority. We take pride in the fact that when times are stressful, the people in our communities know they can count on us. That’s never been more true than it is right now, as our neighbors and our nation work to respond to the COVID-19 outbreak.

As Defenders of Your Northwest, PEMCO is committed to doing our part. Here’s how PEMCO is helping our customers, our employees, and our communities.


These have been difficult and uncertain times for many. Insurance is meant to provide peace of mind, so PEMCO is taking steps to help alleviate some of the emotional and financial stress that we know many of our customers have been experiencing.

Auto premium relief – We know our customers are responsible, and those that can have been abiding by state and local stay-at-home orders. That means many people are driving fewer miles, resulting in fewer collisions and fewer insurance claims. Thanks to this trend, PEMCO is able to provide auto premium relief to all our auto customers. Policyholders will automatically receive a 15% credit on their monthly premiums through October 2020. (See note about timing below.) No action is required – customers will automatically receive the credit to their accounts.  

NOTE ABOUT TIMING: For those who pay monthly, you can expect to see the credit applied by the 15th of the next month. You can view your credit on invoices received or by going to your online account. It will show once your credit has been calculated and applied. 
  • If you've paid in full, you will get a refund check from us for each of these six months.
  • If you're on a payment plan and nothing is due during these three months, you'll see the credit on your next bill.
  • The credit will apply to any past due amount, then current due, and finally any unbilled amounts.
Billing relief – While the COVID-19 outbreak has impacted all of us, each of us has felt that pain in different ways. That’s why we’re making sure we don’t add to the burden of people whose incomes are directly affected by illness or COVID-19 shutdowns. The PEMCO customer service team has been helping customers in financial crisis tailor flexible payment arrangements to fit their individual situations, depending on their payment methods and frequency. For customers seeking individual assistance with billing, please call 800-467-3626 or chat online with our agents via your account.

Temporarily suspended cancelations – Now isn’t the time to worry about your personal insurance. PEMCO wants to make sure policyholders retain coverage during the current coronavirus state of emergency. In almost every case, PEMCO won’t cancel customers for nonpayment through May 9 in Washington and through May 23 in Oregon. Customers can call our customer service agents at 800-467-3626 to discuss payment options.

Extended coverage for driving for deliveries – If you’re among the many people who are now being asked by employers to make personal deliveries or you’ve gotten a new job as a driver delivering such things as restaurant takeout, groceries, prescriptions and packages, PEMCO has added temporary coverage for Washington and Oregon drivers who use their personal cars to deliver property for compensation. That means your vehicle is still covered while you’re out there helping to keep the world moving. This coverage has been extended automatically, with no need to call or make changes online. See more details here.

Keeping our employees and agents safe – Our commitment to personal service is why so many of our customers choose PEMCO – and why they stay with PEMCO. And our commitment to personal service also means we’re committed to our people, which is why we’re also working hard to make sure our employees and agents felt and stayed safe. Early on because of growing COVID-19 concern, we took immediate steps at all our offices:
  • Closed our lobbies to visitors, customers, and non-essential vendors
  • Expanded social distancing practices
  • Required all large meetings to be held via video conferencing
  • Restricted all business travel

Work from home – As of March 20, PEMCO enabled almost all of our employees to work from home.

Ensuring our staff are supported – Additionally, we’re helping our workforce by:

  • Offsetting some of the costs associated with individual needs because of COVID-19, including helping arrange for alternative daycare and home schooling, assisting with remote work technology, and more
  • Covering all costs related to COVID-19 testing and medical treatment
  • Extending sick pay, extended illness bank pay and short-term disability pay related to COVID-19

Maintaining service levels – PEMCO is proud of our service agents, our community agents and our claims staff who have continued to maintain the highest customer service levels throughout this crisis. While our physical office spaces may be closed, PEMCO is continuing operations – our phones, email, and other systems are all operating without disruption in service to our colleagues, customers and claimants.


​PEMCO is committed to the people we serve, and the communities we live in. As we continue to navigate challenges brought on by COVID-19, we recognize our responsibility to do all we can to support our region.

Employees and PEMCO give to Red Cross – PEMCO is matching employee donations to the Red Cross. Donations are going directly to the Northwest Region of the American Red Cross, assisting them to deliver on their disaster relief mission for our community during this critical time and ensuring they can maintain a sufficient supply of blood to help patients in need and continue to provide critical relief services to people affected by disasters big and small.​ Join us in supporting our Northwest Region by giving to the American Red Cross!

We have been and remain committed to our customers in Oregon and Washington not because it’s good for business, but because it’s the right thing to do. Thank you for being a loyal customer and know that we’re always here for you when you need us. 

Updated 9/24/20

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Comments on this post

personPEMCO Insurance12/16/2020 02:10 PM
RL -  PEMCO auto premium relief ran April thru October 2020.  We saw driving activity pick up in early fall and will keep watch on what happens under current new restrictions. We'll evaluate if/when we can offer premium relief again. If you’re driving less, you may qualify for our low mileage discount. Call your PEMCO agent to check.
personRL12/16/2020 01:31 PM
With many people still out of work due to the virus and months before the vaccine is distributed, is there any plan to extend the 15% credit?
personNICK  07/31/2020 09:33 PM
I pay my auto insurance in two installments, i have not seen a 15 % discount.
 Will i see a 15% discount???
personPEMCO Insurance05/18/2020 04:33 PM
Hi Joseph, Sounds like we didn’t explain the home insurance increase to you very well.  We review your coverage at each renewal to keep up with the cost of labor, materials and inflation in case the house would ever need to be rebuilt after a total loss. The review is to ensure you are fully protected. We’re here if you want to talk over details of your policies. You can reach us at 1-800-GO-PEMCO.
personJoseph MacKenzie05/17/2020 12:57 PM
You raised my homeowners by 13% even though I have zero claims then gave me a tiny amount back on my auto.  Sorry, you did not help me at all.
personPEMCO Insurance04/27/2020 10:38 AM
Hi Linda, thank you for your inquiry. A credit will be applied to your next payment and you will be billed only for the remaining amount. Have a good day and stay safe!
personLinda Carleton04/25/2020 04:29 PM
I pay my auto insurance in two installments, half in June and the remainder in December. Will this 15% discount somehow apply to me?
personPEMCO Insurance04/24/2020 05:33 PM
Hi Adriano, thank you for reaching out.  Yes, I would pay the full amount due. You will receive a check for each month as long as your policy remains in force at the end of April, May, and June. You will receive April’s check in May and so on. Stay safe and have a good weekend!
personAdriano Pasion04/24/2020 04:58 PM
I pay my auto insurance in three payments with the last payment due in May 2020.  I just received the billing for May and was surprised that my 15% credit was not reflected in the billing.  Should I pay the owed amount on the billing or should I deduct 15%
personshellie hall04/24/2020 04:20 PM
Thank you, and what a Great "welcome aboard" gift.  It is greatly appreciated!

personPEMCO Insurance04/20/2020 09:26 AM
Hi IP.  Great question!  We understand that due to no fault of your own you're unable to renew your license at this time.  No need to worry, your policy has already renewed and your coverage will continue. 
personPEMCO Insurance04/20/2020 09:21 AM
Hi Ariel, If your premium has been paid in full, then you'll receive a refund check instead of a credit on your account for the 15% payment relief. Same if you renew and pay in full.
personIP04/19/2020 09:37 PM
My driver’s license expires in a few days and all DMV offices are closed in Oregon. Does Pemco guarantee continuous coverage as it is impossible to renew licenses? Couldn’t find a reference to such cases. 

personJanis Hathaway04/19/2020 06:19 PM
Thank you.  Looking forward to getting a check. Been a customer for over 45 years!
personAriel K04/17/2020 10:32 AM
So.....What exactly happens if you pay your premium yearly?? I need to renew in the next week. Do you get any sort of help?
personPEMCO Insurance04/15/2020 03:31 PM
MK - Short answer is yes! If you have a zero balance owing, you will receive a check for each month as long as your policy remains in force at the end of April, May, and June. 
personPEMCO Insurance04/15/2020 03:29 PM
Longtime Customer - First, thanks for being a longtime customer! We are working to inform everyone. Email about the auto premium relief is going out today. And early next week we'll send a letter to those who aren't on email.
personMK04/15/2020 02:44 PM
Will a credit be issued to those who pay their premium yearly??
personLongtime Customer04/15/2020 01:03 PM
Why did I need to search for a press release about this rather than getting this via email or in your newsletter?  You should have let everyone know on 4/10 via email if you had email.
personPEMCO Insurance04/14/2020 12:06 PM
Hi Charles, the credit will be applied to your November installment and you will be billed for any remaining premium owed after it is applied.
personPEMCO Insurance04/14/2020 11:05 AM
Meme – Currently, the credit we’re giving is for auto premiums only – people are driving less but home more. Your mortgage company may have options for you in the scenario you shared. Our customer service agents can help with specific insurance questions and any payment plans for remaining insurance premium. Please call our agents at 1-800-467-3626 or login for chat to discuss your options.
personMFB 04/14/2020 11:04 AM
Thanks so much...
personCharles04/14/2020 10:48 AM
Clarifying question about how the discount works for those of us who are on the semi-annual “paid-in-full” plan:  will we still be eligible for the discount if we paid the first six-month installment covering April, May and June, but our account shows a balance still owing in November 2020 for the second installment?
personMeme04/14/2020 06:24 AM
Hello. What about homeowners insurance policy holders? If one was currently in mortgage forbearance, and escrow falls short, what is your plan for those clients?
personPEMCO Insurance04/11/2020 03:51 PM
Shelley – The credit is based on your monthly premiums for April, May and June, so credits will be applied in May, June, and July.  Your monthly payments will be adjusted for the remainder of your term as the credit is distributed across your remaining payments. If you still have questions, you can talk to a customer service agent during business hours.
personShelley04/11/2020 02:59 PM
How will it work if you do monthly payments on auto pay
personPEMCO Insurance04/11/2020 01:27 PM
EK and Charissa -- Thank you for being PEMCO customers! If you have a zero balance owing, you will receive a check for each month as long as your policy remains in force at the end of April, May, and June.  You will receive April’s credit in May and so on.

personScott Reynvaan04/11/2020 12:53 PM
Now that's leadership! Thank you for stepping up and doing your part to help your customers.
personCharissa 04/11/2020 12:01 PM
I’m wondering if there will be a credit applied to customers who pay yearly?
personEK04/10/2020 06:32 PM
How will the 15% credit be handled for policyholders who have paid in full?

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