Is Oregon Mutual Good for Auto Insurance?
Last Updated on March 31, 2021
Oregon Mutual Insurance Group is a McMinnville, Oregon-based insurance company with thousands of policies across the western United States.
Founded all the way back in 1894, Oregon Mutual continues to be the oldest, independent, mutual insurance company west of the Mississippi.
Is Oregon Mutual good for car insurance? Should you buy auto insurance through Oregon Mutual? Find out everything you need to know about the company and its service today in our review.
Table of Contents:
- About Oregon Mutual
- Oregon Mutual Products & Services
- How Does Oregon Mutual Car Insurance Work?
- What Makes Oregon Mutual Unique?
- Oregon Mutual Discounts
- Oregon Mutual Reviews: What Do Customers Have to Say?
About Oregon Mutual
Oregon Mutual Insurance Group is an Oregon-based insurance company backed by 125+ years of experience.
Like other mutual insurance companies, Oregon Mutual is owned by its members – not by shareholders. Oregon Mutual was founded as a mutual insurance company and it remains a mutual insurance company to this day. That’s one reason why Oregon Mutual refers to its customers as ‘members’ instead of ‘policyholders’.
Oregon Mutual Insurance Company traces its history to a local group of Oregonians concerned about the price of insurance. 35 years after Oregon became a state, this group created Oregon Mutual Insurance Company to serve policyholders across the west.
|Oregon Mutual Contact Info|
|Address||400 NE Baker St
McMinnville, OR 97128
Oregon Mutual Products & Services
Oregon Mutual offers a range of insurance policies and coverage options, including all of the following:
Auto Insurance: Oregon Mutual offers auto insurance to individuals and businesses across the western United States.
Homeowners Insurance: Oregon Mutual can cover all types of homes with appropriate coverage, including homeowners insurance, condo coverage, dwelling coverage, personal property insurance, personal liability insurance, additional living expense coverage, and more.
Business Insurance: Oregon Mutual has provided business insurance for over 125 years. The company offers coverage to protect businesses from property damage and liability losses. Businesses can also buy commercial auto insurance, cybercrime coverage, equipment breakdown coverage, and more.
Farm & Ranch Coverage: Oregon Mutual covers farms, ranches, and agricultural businesses. You can buy coverage for row crops, grain and field crops, horticulture, berry farms, orchards, vineyards, cattle and other livestock exposures, hobby farms, and other agri-businesses and operations.
Winery Coverage: Based in the heart of Oregon’s wine country, Oregon Mutual has provided winery coverage since its launch. Oregon Mutual is a member of various local American Viticultural Areas (AVAs), giving it unique insight into local winery operations. Oregon Mutual offers three levels of winery coverage, including Bronze, Silver, and Gold protection levels.
How Does Oregon Mutual Car Insurance Work?
Oregon Mutual car insurance works similar to the car insurance from other providers. You can buy car insurance that meets your state’s minimum requirements. Or, you can buy insurance that exceeds your state’s minimum requirements for added peace of mind.
Car insurance coverage available through Oregon Mutual includes:
Liability Coverage: Most states, including all states west of the Mississippi, require drivers to carry some type of liability coverage. Oregon Mutual can provide bodily injury liability coverage and property damage liability coverage to meet or exceed your state’s minimum insurance requirements.
Collision Coverage: Collision coverage covers the cost of repairing your own vehicle after an accident, regardless of fault.
Comprehensive Coverage: Comprehensive coverage covers vandalism, fire damage, water damage, theft, collisions with animals, and other incidents that occur outside of a collision with another vehicle.
Uninsured and Underinsured Motorist Coverage: Some states require drivers to carry uninsured and underinsured motorist coverage. Other states recommend it for peace of mind.
Roadside Assistance: Like most insurers, Oregon Mutual offers roadside assistance and towing, giving you 24/7/365 protection against vehicle breakdowns and other unexpected events.
Personal Injury Protection: Required in some states but not others, personal injury protection (PIP) covers lost wages, childcare expenses, and other costs you may incur as a result of an accident.
What Makes Oregon Mutual Unique?
Drivers in Oregon, Idaho, Washington, and California have plenty of options for car insurance. We know Oregon Mutual is one of the country’s oldest insurance companies. But what separates it from the competition? Why pick Oregon Mutual?
Here are some of the things that distinguish Oregon Mutual from the competition:
Pet Injury Coverage: Drivers can add pet injury coverage to their Oregon Mutual policy. You will receive compensation for veterinary expenses and similar costs if your pet is injured in an accident.
Child Safety Seat Replacement: You can add child safety seat replacement to your policy. Oregon Mutual will replace your child’s safety seat after an accident, regardless of the severity of the accident.
Vehicle Upgrade Coverage: Oregon Mutual offers vehicle upgrade coverage, which lets you upgrade to a new vehicle if your vehicle is determined a total loss.
Mutual Insurance Company: Oregon Mutual is a mutual insurance company. That means it’s owned by policyholders instead of shareholders. Most of America’s largest insurance companies are publicly-owned and publicly-traded businesses. That means their goal is to deliver impressive returns for shareholders – not policyholders. Oregon Mutual is the oldest, independent mutual insurance company in the western United States. The company answers to policyholders instead of shareholders.
Smaller, Local Business: Some people like the amenities and experience of a large insurance company. Others prefer a smaller, locally-based insurance company. Oregon Mutual isn’t just small and locally-based: the company also does business through independent agents who live and work in your community. These agents can handle claims, customer service, policy changes, and more on your behalf. IT’s a personal level of experience you may not get with a larger firm.
Backed by 125+ Years of Experience: Founded all the way back in 1894, Oregon Mutual has 125+ years of local experience serving policyholders in Oregon, Washington, Idaho, and California. Some like the idea of working with an experienced and proven company instead of a faceless nationwide firm.
Oregon Mutual Discounts
Oregon Mutual offers a standard range of discounts compared to other insurance companies. You could qualify for any of the following discounts with Oregon Mutual:
Defensive Driver Discount: If you have taken an approved defensive driving course, then you could qualify for a discount.
Anti-Theft Device Discount: Vehicles with anti-theft devices could qualify for additional discounts. Anti-theft devices can include remote shutdown systems, alarms, and other measures.
Advanced Quote Discount: If you receive a quote from Oregon Mutual upfront before switching from your old insurer, then you could qualify for the advanced quote discount.
Family Discount: Receive a family discount if you insure multiple vehicles or policies with Oregon Mutual within your family.
Low Mileage Discount: If you drive fewer miles per year than the average driver, then you could qualify for Oregon Mutual’s low mileage discount.
Military Deployment Discount: Military personnel deployed overseas could lower their car insurance premiums while away.
Bundling Discounts: Like most insurers, Oregon Mutual offers bundling discounts to members who have multiple policies.
Oregon Mutual Reviews: What Do Customers Have to Say?
Oregon Mutual Insurance Group has an A+ rating with the Better Business Bureau (BBB).
AM Best assesses the financial strength of insurance companies across the country. After analyzing Oregon Mutual’s assets and liabilities, AM Best awarded the company an A- (Excellent) rating, indicating they should have no trouble providing covering claims in the near future.
Oregon Mutual has average to strong ratings on independent review aggregator websites. Clearsurance gives Oregon Mutual an average rating of 4.42 stars out of 5 based on 18 customer reviews, while WalletHub awards the company 3 stars out of 5 based on 70 customer reviews.
Oregon Mutual has an NAIC score of 0.67, with just three total complaints registered. The NAIC creates this index based on the number of complaints in relation to the total number of policyholders. The median index is around 1, which means Oregon Mutual has fewer customer complaints than average.
Final Word on Oregon Mutual
Oregon Mutual is a property and casualty insurance company that insures thousands of drivers and homeowners throughout Oregon, Washington, Idaho, and California.
Overall, Oregon Mutual has strong reviews for its customer service, claims satisfaction, and local experience. Backed by 125+ years of experience, Oregon Mutual continues to operate as a mutual insurance company while answering to policyholders – not shareholders.
To learn more about Oregon Mutual or to request a quote today, visit ORMutual.com.