There are many insurance companies all across the country. However, larger insurers may be more readily available. People sometimes prefer smaller companies with personal service. Oregon Mutual Insurance is a trusted and less-known insurance provider in the Pacific Northwest.
The company was established in Oregon in 1894. It now offers auto, home, and business insurance in California, Idaho, and Washington. It is the oldest mutual insurance provider in America and offers auto and home insurance policies through independent agents.
Oregon Mutual Car Insurance
Oregon Mutual has a very impressive car insurance policy for a company this size. Oregon Mutual offers Custom Shield auto insurance to residents of four states. There are many discounts and add-ons that can be found in larger companies, as well as the basic coverage.
Types of coverage
Oregon Mutual provides the following coverage options to car insurance.
- Insurance coverage
- Personal Injury Protection
- Comprehensive and collision coverage
- Property Damage
- Accident Forgiveness
- Motorist Protection for the Underinsured or Uninsured
- Minimizing the Deductible
- Roadside Assistance and Towing
- Vehicle Upgrade
- Pet injury coverage
- Replacement of child safety seats
Cost of Oregon Mutual Car Insurance
Because insurance is state-regulated, the premiums for car insurance vary from one area to the next. Prices can also vary depending on where you live, how old your vehicle is, what kind of coverage you select, and other factors.
Below is a table that shows the Oregon Mutual car insurance rates for full and minimum coverage.
| Minimum Coverage | Complete Coverage |
|---|---|
| $359 | $810 |
Quadrant Information Services, 2020
The average annual rate of full coverage car insurance in is $1,738 Oregon Mutual, on the other hand, offers it at $810 which is half the cost.
Get Discounts
Oregon Mutual offers discounts that are as varied as its coverages. These discounts include:
- Protective Driver
- Anti Theft Devices
- Advanced Quote
- Family
- Loyalty
- Low Mileage
- Military Deployment
- Package
- Legacy
Oregon Mutual Home Insurance
Oregon Mutual’s home insurance program covers you whether you live in a single-family home, a condo, or a rented property. The home insurance program offers fewer discounts than its car insurance plans and is relatively standard.
Types of coverage
Oregon Mutual Home Insurance offers the following coverage options
- Living in a House
- Personal Property
- Personal Liability
- Additional Living Costs
Additional coverages may include:
- Coverage for jewelry and valuables
- Protection of your mortgage
- Protection against identity fraud
- Backup for water and sewer
Get Discounts
The information regarding homeowners insurance discounts is very limited. It does not mention a home or auto insurance bundle, nor raising the deductible to get a lower premium. Oregon Mutual sells policies through agents. A phone call will provide more information on plans and discounts. Ask about common home-insurance discounts for safety features and new construction.
Oregon Mutual is a great option for you.
People look for a company that is reliable and has been around for a long time when it comes to any type of insurance. Oregon Mutual has been around for more than 125 years and is one of the most respected companies in the insurance industry. Oregon Mutual is worth looking into if you live in one of the four states it serves.
- A small customer base: If your goal is to be more than just a number, a smaller company that has a limited customer base is the best option. You will receive more personal service if you have local agents to assist you.
- Local business: Small businesses, unlike larger corporations, rely on their customers to thrive. Oregon Mutual is a regional company that you can support. This will benefit the entire community.
- Amazing coverage and discounts: When Oregon Mutual insures your car, you receive the same coverage and discounts as a major insurer.
- Low rates Oregon Mutual offers some of the lowest average rates in the market. These rates are far lower than the national averages for home and car insurance.
Oregon Mutual Ratings and Reviews, Customer Satisfaction, Complaints, and Reviews
When choosing an insurance provider, it is important to have credible third-party ratings. Oregon Mutual is not considered a national insurer, and is therefore not rated by J.D. Power, one the most trusted data analysis companies in the U.S. The company has only 3 complaints with the National Association of Insurance Commissioners.
AMBest ranks insurance firms based on financial strength. Oregon Mutual has been consistently rated an A- (Excellent), since 1990. The company scored 0.67 on the NAIC complaint index. This is lower than the median score of 1. It’s an indicator that there are fewer consumer complaints than average.
| Company | Rating |
|---|---|
| J.D. J.D. | — |
| AM Best | A- (Excellent) |
| NAIC | 0.67 |
Oregon Mutual also offers additional policies
Oregon Mutual sells insurance for business, wineries, and farms in addition to car and home insurance. Some of the coverages available are:
- Property and liability
- Cybercrime and data theft
- Business auto accidents
- Fraud, embezzlement, extortion
- Equipment Failure
- Horticulture
- Berry Farms
- Orchards
- Vineyards
- Livestock and Cattle
Most Frequently Asked Questions
Which is the best auto insurer?
Insurance prices are determined by the state and can vary between regions, companies, and customers. The best car insurers are those who have built a reputation for offering high-quality customer service, competitive rates and a wide range of coverage options.
Which is the best company for home insurance?
Home insurance is not legally required, but it is essential to protect your home against unexpected and unanticipated expenses. The top home insurance companies offer nationwide coverage and are competitive based on location. However, it is up to you to decide where to live, what your coverage requirements and your budget.
What is the Oregon Mutual Insurance process for claims?
Customers can call a toll-free number that is available 24/7 to report any claim. The company doesn’t provide information on the claims process.