Oregon Mutual Insurance Review – Home and Auto


Oregon Mutual Insurance Review: Home and Auto Insurance Company


Insurance companies are numerous across the country, and while larger insurers are more common, some people prefer smaller companies that offer a more personalized service. If you are in the Pacific Northwest and looking for a lesser known but reliable insurance company, I recommend you consider Oregon Mutual Insurance.

As its name suggests, the company was founded in Oregon in 1894, but now also offers auto, home and business insurance in California, Idaho and Washington. One of the oldest mutual insurance providers in the United States, he sells auto and home insurance through independent agents.

Oregon Mutual Auto Insurance

Oregon Mutual offers an impressive range of auto insurance for a company of this size. If you live in one of the four states it operates in, you can check out Oregon Mutual’s auto insurance program called Custom Shield. In addition to basic insurance, there are many additional benefits and discounts usually associated with large companies.

Compensation type

Oregon Mutual offers the following auto insurance options:

  • Liability insurance
  • Protection against personal injury
  • Comprehensive crash protection
  • property damage
  • forgiveness for accidents
  • Driver protection with or without insurance
  • Reduced deductible
  • Roadside assistance and towing
  • vehicle update
  • pet accident insurance
  • child seat replacement

Oregon Mutual Auto Insurance Cost

Insurance is regulated by the state, so the monthly or annual premium you pay for auto insurance varies by region. Prices also vary widely between providers, based on factors such as vehicle type and age, location and driving history, and type of insurance chosen.

The following table shows the average annual total and minimum coverage rates for Oregon Mutual auto insurance.

Minimum coverage full coverage
$359 $810

Quadrant Information Service, 2020

The national average annual rate for comprehensive motor insurance is $1,738. By comparison, Oregon Mutual offers the same for $810, which is less than half that.

discount.

The discounts offered by Oregon Mutual are as varied as coverage. These include:

  • defensive driver
  • anti-theft device
  • extended quotes
  • family
  • royalty
  • low mileage
  • military operation
  • package
  • heritage

Oregon Mutual Homeowners Insurance

If you own a single-family home, condo, or rental property, Oregon Mutual has you covered with the Homeowners Insurance Program. Compared to their auto insurance plans, their home insurance program is fairly standard and offers less discounts.

Compensation type

Oregon Mutual Home Insurance offers the following coverage options:

  • place of life
  • private property
  • personal responsibility
  • additional living expenses

Optional coverage includes:

  • jewelry and valuables cover
  • mortgage protection
  • Protection against identity fraud
  • Stockpile of water and sewage

discount.

Information on home insurance discounts is limited other than briefly discussing home and car insurance packages and increasing deductibles to lower premiums. Oregon Mutual sells insurance through agents, so calling is the best way to find out about plans and discounts. Don’t forget to ask about standard home insurance discounts for safety features, new construction, and weatherproof materials.

Why Choose Oregon Mutual

When it comes to insurance of any kind, people generally look for reputable companies that have stood the test of time. Over his 125 years in business, Oregon Mutual has carved out a niche in a crowded industry as one of the oldest policyholder-owned businesses this side of the Mississippi. If he who does business resides in one of the four states, Oregon Mutual is worth considering for the following reasons.

  • Small customer circle: If you want to be more than numbers, a small company with a limited number of customers is a good choice. Get a more personalized service with a local agent working directly with you.
  • Local Company: Example Unlike large companies, small businesses depend on their customers’ support and prosperity. By supporting local businesses like Oregon Mutual, you can also benefit from your community.
  • Superior coverage and discounts: When you purchase auto insurance from Oregon Mutual, you get the types of coverage and discounts normally associated with reputable insurance companies.
  • Bad review: Oregon Mutual’s average premium rates are among the lowest in the market and well below national auto and home insurance averages.

Oregon Mutual Ratings, Reviews, Customer Satisfaction and Complaints

A reliable third-party rating is always important when choosing an insurance company. Oregon Mutual is not a national insurance company, so he, the US’s most trusted data analytics firm, has not been rated by one, JD Power. However, the company has filed only three complaints with the National Association of Insurance Commissioners (NAIC).

AM Best evaluates insurers based on their financial strength, and Oregon Mutual has consistently received an A- (Excellent) rating since 1990. On the NAIC Claims Index, the company scores 0.67, below the median for the first indicator of consumer dissatisfaction.

business classification
JD Power
hmm good A- (great)
nike 0.67

ADDITIONAL POLICIES OFFERED BY OREGON MUTUAL

In addition to auto and home insurance, Oregon Mutual also sells business, wine and farm insurance. Some of the compensation offered are:

  • Ownership and Responsibility
  • Cyber ​​Crime and Data Loss
  • commercial vehicle accident
  • Fraud, embezzlement, extortion
  • Team breakdown
  • gardening
  • berry farm
  • Orchard
  • vine
  • cattle and livestock

Frequently Asked Questions

What is the best auto insurance?

Insurance is regulated by the state and prices vary by region, company and individual customer. However, the best auto insurance companies in the country often have established themselves and their reputations by offering the most competitive rates, excellent customer service, and a wide range of coverage options.

Where is the best home insurance?

Home insurance is not required by law, but it is necessary to protect your home from sudden, unforeseen expenses. The best home insurance companies are known for offering nationwide coverage and competitive rates based on location, but choosing an insurer depends on where you live, your coverage needs, and your budget. depends on

How does Oregon Mutual Insurance process claims?

There is a 24/7 toll-free hotline that customers can call to report a complaint. The company does not provide any information regarding the complaints handling process.

About the author


Cynthia Widmayer

Cynthia Widmayer
Cynthia Widmayer has over two years of experience as a personal finance and insurance writer. This includes home, auto and life insurance products such as Bankrate, Simple Dollar and Coverage.com.

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