PEMCO Auto Insurance

Pemco car insurance Pros & Cons

Pemco car insurance FAQ

What types of car insurance coverage options does Pemco car insurance offer?

Pemco car insurance customers can also add the following riders or endorsements to their insurance policies:

• Accident Forgiveness: PEMCO offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
• Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
• Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
• Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
• Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
• Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Pemco car insurance have roadside assistance?

Does Pemco car insurance offer ridesharing insurance?

What benefits does Pemco car insurance offer?

• 24/7 Phone Availability: Customer service is staffed around the clock.
• Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
• Digital Claims Reporting: Never fax or mail a document again.
• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does Pemco car insurance offer?

• Internal Safety Features: Pemco car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an insurance discount.
• Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
• New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.

How does PEMCO calculate insurance rates?

Does Pemco car insurance use your credit score?

1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Pemco car insurance insurance quote?

• Visit the PEMCO website.
• Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.