Frequently asked policy change questions

You can make a variety of changes to your auto policy, including: add a vehicle, remove a vehicle, change the vehicle use, change the vehicle location address, change coverage(s), and add, remove, or update your vehicle loan or lease. We continue to develop more options for making auto policy changes. While these features are under construction, you can use your self-service account to request changes, and we'll work to make them within one business day.
You're able to get an estimate by selecting "Add a vehicle" or "Remove a vehicle." Instead of providing a VIN, simply select the option "Don't have a VIN." Once you have the VIN, you can add the vehicle to your policy.
You're able to get an estimate by selecting "Add a vehicle" or "Remove a vehicle." Instead of providing a VIN, select the option "Don't have a VIN." If you have the VIN, select add or remove, and after you've seen the estimate, cancel the request to add or remove the vehicle.
Yes, we'll provide your leinholder or leasing company with proof of insurance. When you add the vehicle to your policy, you'll be able to provide the leinholder or leasing company information, including your loan or lease number. We'll send proof of insurance one business day after you've made the change.
Your changes take effect the day you submit your changes. We'll be sure to let you know if we aren't able to make your changes the same day.
You can change the use of your vehicle to "stored" by using the Change Vehicle Use or Location feature. Please note that you won't have liablity coverage on any stored vehicle. There is no option to change the only vehicle on a policy to "stored" using your self-service account.
You can use your online account. Once you’ve signed in, you can get all policy details, including your auto ID cards, which you can produce on your home printer. You also can use the Go PEMCO app (available for Android and iPhone). Electronic ID cards are accepted as proof of insurance in both Washington and Oregon, as well as most other states including Alabama, Alaska, Arkansas, Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin, and Wyoming.
Each vehicle is rated based on how it's used most of the time. Generally, the fewer miles you drive, the lower your rates will be. PEMCO offers an Alternative Commuting Discount for vehicles driven an average of two days or less per week.
It's OK to remove your vehicle from you policy when you no longer own it. You can adjust your vehicle use and coverage to accommodate for vehicles that are stored or seldomly used.