Shift gears, drive with quality coverage.

Oregon Mutual Personal Auto Protection

Long before roads were paved, Oregon’s pioneers established our legacy of protecting our neighbors, communities, businesses, and drivers. That legacy is alive and well today. Our personal auto protection plan offers several options to customize your auto insurance coverage for a policy that’s right for you.  Unlike most other insurance companies, if your car is totaled, we get two evaluations instead of one and then pay you the higher amount. Why? Because it’s the right thing to do for our members. It’s who we are.℠



Accident Forgiveness

Provides protection from an increased premium after an at-fault accident


Diminishing Deductible

Reduces your collision deductible for each year of safe driving


Roadside Assistance and Towing

Protection on the road 24/7, 365 days of the year when your vehicle breaks down


Vehicle Upgrade

If your vehicle is determined a total-loss, we will upgrade you to a new vehicle



Protection if you’re at fault in an accident and are responsible for injuries or damages to others


Personal Injury Protection

Provides coverage for expenses related to injuries from an accident such as lost wages and child care expenses


Pet Injury

Coverage for your pet is he/she is injured in an auto accident with you



Coverage for your vehicle from claims like theft, vandalism, weather, and falling objects



Protection for damage to your vehicle if you have a covered accident such as colliding with another vehicle or experience a single vehicle accident


Under-Insured, Uninsured Motorist

Protection for damages you experience if an uninsured or under-insured or hit and run driver is at fault for an accident


Property Damage

Protection for your personal property if you experience an auto accident


Child Safety Seat Replacement

If your covered vehicle is involved in an accident and you have a child safety seat in the vehicle, we will replace it no matter how big or small the accident


Ask your local agent if you qualify for these discounts


Defensive Driver


Anti Theft Devices


Advanced Quote






Low Mileage


Military Deployment







© 2019 Oregon Mutual Insurance Company.  All rights reserved.  Oregon Mutual and It’s who we are and the OM logo are service marks of the Oregon Mutual Insurance Company.  Insurance underwritten by Oregon Mutual Insurance Company and Western Protectors Insurance Company.  Not all insurers do business in all jurisdictions.  Coverage not available in all jurisdictions.  All coverages subject to policy terms and conditions.  Quote availability subject to applicable underwriting guidelines.  Discount availability and amount varies by jurisdiction and situation.

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