Oregon Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2023)

Serving the west coast for more than 120 years, the Oregon Mutual insurance company is the oldest independent mutual company west of the Mississippi. They write auto insurance, homeowners insurance, and business insurance policies in four states.

What Is Oregon Mutual?

Oregon Mutual was founded in 1894; like most mutual companies it was born out of a gathering of locals looking to provide an affordable insurance option. From its roots in its namesake state, Oregon Mutual expanded to provide coverage in Washington, California, and Idaho as well.

The company’s headquarters is located in McMinnville, Oregon, and they continue to operate as a policyholder-owned mutual company. Western Protectors Insurance Company is a subsidiary of Oregon Mutual.

Basic personal auto, home, and business insurance are sold through independent agents across their service area.

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What products are offered?

Oregon Mutual’s product lineup is basic; they write auto insurance as well as several types of home insurance and business policies. The company website does not offer much in the way of information on these policies, instead directing visitors to contact an agent.

Auto Coverage

The company has a very comprehensive auto insurance program called Custom Shield, offering a lot of options on top of the basics. This includes some of the trendier add-ons in the auto insurance industry like diminishing deductible and accident forgiveness, as well as less common endorsements like pet injury and lock replacement. Auto insurance policies vary from state to state.

They also have a good list of policy discounts, including a military discount and a loyalty discount. Overall their auto program appears to be on par with those offered by much larger insurance companies.

Home Insurance

The Oregon Mutual home insurance program is available for single-family homes, condos, and renters insurance as well.

The website does not provide any information regarding standard or optional coverage for these policies.

Business Insurance

The company offers commercial package policies to a variety of businesses, including the state’s thriving winery industry. They specialize in small to medium-sized businesses and also cover hospitality, restaurants, farms, and other types of agribusiness.

Business policies can be customized to provide the coverage options needed by each individual company.

Are the company’s rates competitive?

Oregon Mutual does not offer an online quoting option for its costs, and the “Get a Quote” button really just directs the visitor to enter contact information, so we don’t have average car insurance rates for the company. An agent will then respond and assist with creating a quote.

This is not uncommon for a company of this size, but the way it is set up on the website is a bit misleading, and it will likely result in solicitation.

As a general rule, we do not expect smaller companies like this one to compete regarding rates with the big direct companies. They usually rely instead on good service to provide extra value.

Oregon Mutual Insurance: Simplifying Excellence in Claims Processing

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Oregon Mutual Insurance offers a convenient claims process with 24/7 service. Customers can report a claim via a toll-free number, ensuring accessibility at any time. They also have specific phone numbers for glass-only claims and roadside assistance claims.

Average Claim Processing Time

While specific details about the average claim processing time are not provided, Oregon Mutual Insurance’s 24/7 claims service indicates a commitment to a prompt response to claims. However, the exact processing time may vary depending on the nature and complexity of the claim.

Customer Feedback on Claim Resolutions and Payouts

Oregon Mutual Insurance holds an A+ rating from the Better Business Bureau (BBB), and customer complaints are minimal. There are mixed customer reviews on Yelp, with both positive and negative experiences. Overall, the company appears to have a satisfactory track record in terms of claim resolutions and payouts.

Oregon Mutual Insurance: Pioneering Your Coverage With Advanced Digital and Technological Features

Mobile App Features and Functionality

Oregon Mutual Insurance does not offer online quotes, and information about a dedicated mobile app is not provided in the available content. Therefore, it’s unclear whether they offer specific mobile app features and functionality for policyholders.

Online Account Management Capabilities

The content does not mention online account management capabilities offered by Oregon Mutual Insurance. Policyholders may need to contact the company directly or check their official website for information regarding online account management tools.

Digital Tools and Resources

Information about digital tools and resources, such as online policy management or educational materials, is not included in the available content. Customers interested in these features should reach out to Oregon Mutual Insurance for more details.

Does the company have positive ratings and consumer reviews?

The Better Business Bureau (BBB) gives Oregon Mutual an A+ rating, with only two customer complaints on file in the past three years. There has not been a complaint closed in the past 12 months.

There are six customer reviews of Oregon Mutual car insurance reviews on Yelp, a few highly positive and a few negative. One of the reviewers came back to offer an updated, positive review after having left a negative review.

Overall there is nothing of major concern either in the content or in the volume of the complaints.

What’s the bottom line?

The information on Oregon Mutual is limited, which makes it hard to come to any real conclusion about their products or service. They seem to have a good reputation, and they might appeal to insurance shoppers who like to work with an agent and prefer a smaller, regional insurance company to a larger corporation. If you live in Oregon, Washington, Idaho, or California, they’re worth considering.