Wawanesa Car Insurance Review
Very selective. They only want drivers with great records.
May non renew policyholders after they have a claim.
Quotes available directly from their agents on their website.
Deciding on which company to choose for car insurance often proves to be a challenging endeavor. However, one of the best is Wawanesa car insurance, as they have some of the lowest rates for drivers with clean records.
Wawanesa auto insurance services customers in Oregon, California, and all of Canada.
They highly prefer motorists who have no points on their license and significantly raise rates for those with one or points on their license.
Institutions such as J.D. Power regard them as one of the best for their transparency regarding the details and fine print included in their policies and available coverages.
This Wawanesa auto insurance review will cover the various costs involved, policies, available discounts, and the pros and cons of their coverage.
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How Does Wawanesa Car Insurance Work?
Wawanesa's insurance coverage is similar to other comparable companies, as they offer basic liability coverage and full coverage policies.
Mandatory coverage includes bodily injury and property damage.
In contrast, the optional coverage includes automobile medical payments, comprehensive fire and theft coverage, collision, roadside assistance, rental assistance, uninsured/underinsured motorist coverage, and manufacturer replacement parts.
A low limit of coverage meant to provide a small amount of money that a claims adjuster can use to settle a bodily injury claim quickly. A typical medical payments limit is less than $10,000. The policyholder can also access this money when the other party is clearly at fault, with the expectation that their insurance company will repay the money to your insurer.
Let's go over each available coverage option in more detail.
Like many insurance companies, Wawanesa offers basic insurance to conform with state car insurance laws.
When researching insurance companies, it is important to consider the mandatory and optional coverages.
The mandatory coverages often cover the other driver if you are at fault in an accident in accordance with state laws concerning financial responsibility.
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Wawanesa auto insurance works similarly to comparable insurance companies.
They offer a couple of types of liability insurance, including bodily injury and property damage.
Both these coverages are mandatory and apply to each insurance policy.
Let's go over what each of these covers.
This is one of the most critical aspects of any type of coverage, as it covers the cost of any injury to another party when you are at fault.
Bodily injury insurance is mandatory, as it is offered at a lower rate for safe drivers.
This is mainly to cover any type of medical expenses resulting from an accident that the policyholder caused.
It is the minimum required in many states.
If a policyholder is responsible for damaging another individual's property, whether it be to their vehicle or any other property type, this policy covers the repair cost.
Most state financial responsibility laws require car owners to carry at least a small amount of this coverage.
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If you cause an at fault accident, the injured party can sue you personally to recover their losses if your insurance limits are not adequate. Consider buying an umbrella policy if you earn more than $100,000 per year.
Wawanesa offers several Optional coverage or comprehensive coverage is offered with a deductible and is related to various instances not covered by basic insurance policies.
Some optional coverage options include:
Does Wawanesa Auto Insurance Offer Discounts?
There are a few ways to get car insurance discounts from Wawanesa.
Let's go over a few different ways to get a discount on your insurance plan.
Good Driver Discount
This is one of the most common and easiest ways to receive a discount on your car insurance.
To be eligible for this discount, you need to hold a valid driver's license for at least three years, only have one point on your license in the previous three years, and have not had a DUI in at least ten years.
Driver Training Discount
Completing a driver training course is recommended, especially for new drivers who have had their license for under two years.
You can receive significant discounts on your insurance payments by taking these courses and learn essential skills such as defensive driving in the process.
Mature Driver Improvement Course Discount
When you get older, it is possible that your driving will become impaired, and you may be more likely to get into an accident. Therefore, if drivers over 55 take a refresher course, they are eligible for a discount.
If you are like many, you likely have more than one car in the family. Therefore, you could get a discount if you bundle them all under one account.
Wawanesa wants to ensure that they reward you for your loyalty to the company.
They know it is much more expensive to acquire a new client than it is to keep a good one.
Therefore, if you remain on their policy for a year consistently, you may be eligible for a loyalty discount.
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How Much Does Wawanesa Car Insurance Cost?
The cost of Wawanesa insurance differs due to location.
This section will check out the rates in each service area, California, Oregon, and Canada.
California & Oregon
If you are under the age of 40 and have a clean driving record in California and Oregon, your insurance will cost you $80/month, which could be significantly more expensive than other options, such as Geico and Progressive.
However, if you have a speeding ticket on your record, Wawanesa is more affordable, coming in at just $81/month.
This is much less than Geico, which charges $96/month, and Progressive charges $85/month.
If you have an accident on your record, Wawanese will charge you $103/month, which is less than Geico, which charges $113/month.
Of course the rates vary depending on the size of your vehicle and your other individual characteristics.
Canada's insurance rates are on par with California and Oregon, as basic coverage often costs around CAD $1505 annually.
These rates are also similar to other insurers throughout Canada; however, Wawanesa has better rates for drivers with clean records.
What's the Cost to Add My Teenager to My Auto Policy?
Adding your teen driver to your auto policy can be daunting, as your rates are likely to increase significantly.
With Wawanesa, adding your teenager to your policy depends on many factors, such as:
Due to California law, to add your teenager to your auto policy, they must meet the following requirements:
So, the cost to add your teenager to your auto policy could cost over $1,000 extra in premiums annually.
However, this can vary greatly due to the factors mentioned above.
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Pros and Cons of Wawanesa Auto Insurance Review
Wawanesa is a reputable insurance company with many benefits, especially for a clean driving record.
However, they charge higher rates than most if you had gotten into an accident.
Let's go over, in detail, the pros and cons of their coverage.
Cheaper Rates for Safe Drivers
Like many insurance companies, Wawanesa offers significantly lower rates to those with clean driving records.
However, for Wawanesa, the discounts are extremely significant, as they offer coverage for as little as $81/month for safe drivers.
You could also receive significant rate reductions for taking a driver's education course, having multiple cars on the policy, and a loyalty discount for continuing your policy with Wawanesa consistently for a year.
Wawanesa is one of the most transparent in the industry.
They go into great detail about the coverage options offered on their website and how the application process works.
They tell you how to get the best rates and explain options such as the good driver discount and which coverage types come with the discount.
Furthermore, they are completely transparent about what types of infractions will cause an increase in their rates.
For example, it clearly states on their website that if you are 51% responsible for an accident, your rates will most likely increase on your policy renewal date.
Like most insurance companies, Wawanesa offers roadside assistance with their auto policies.
This includes emergency towing, tire changes, battery changes, and fuel assistance.
Most importantly, their roadside assistance service is available 24/7, giving you the confidence that you're covered no matter what time you're on the road.
However, one of the hallmarks of Wawanesa's roadside assistance is their vehicle recovery services.
If you become stuck, such as during a snowstorm, in mud, or any other type of situation, Wawanesa will be there to assist.
Their roadside assistance is offered four times per vehicle every policy period. That is significantly more than other car insurance companies, who would limit you to one tow per policy term.
Furthermore, even if you do not use a company within Wawanesa's network, they will reimburse you for the tow and recovery cost.
Wawanesa has been recognized for its achievements within the insurance industry by prestigious institutions such as J.D. Power & Automotive and was ranked as the top insurance company in California in 2013.
In a customer satisfaction survey conducted by J.D Power, Wawanesa ranked first, ahead of second and third-place finishers, State Farm and The Hartford, as many customers have been satisfied with the price, policies, and claims.
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Not Recommended for Drivers with Points
Wawanesa seems to have a preferred profile of drivers that they like to insure; therefore, if you have points on your license, especially if you were at fault in an accident, Wawanesa is not recommended.
Rates could skyrocket up to $103/month for a single-vehicle if you have one or more points on your license.
Limited Service Area
In the United States, Wawanesa only offers coverage to drivers who reside in California and Oregon.
Therefore, if you wander away from these two states, you may want to consider other options. However, if you live in Canada, Wawanesa offers coverage nationwide.
Minimum Liability Coverage for Unlisted Drivers
If you let a friend drive your car and they cause an accident, Wawanesa may only pay the state mandated minimum in liability coverage.
In California, that is $15,000 per person in bodily injury.
$30,000 per accident in bodily injury.
And a very small amount of $5,000 in property damage coverage.
This could be problematic if your friend causes a major accident while driving your car.
What are Wawanesa Car Insurance's Financial Ratings
Wawanesa has acquired financial ratings from a variety of different institutions.
Their parent company, The Wawanesa Mutual Insurance Company, is rated by the A.M. Best Company as having an "A" rating for financial strength.
This is due to their high performance each quarter and high liquidity on their balance sheet.
They also praise Wawanesa on above-average profitability, strong relations with their shareholders and brokers, and diversity of operating locations.
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Wawanesa Car Insurance Reviews and Complaints
Wawanesa Car Insurance Reviews are quite positive overall, with just a few complaints about coverage due to points on some applicant's licenses.
They are unusually persistent in addressing any complaints on the Better Business Bureau website.
Most major insurers don’t take the time to handle complaints so publicly.
I find this to be a good thing.
They take responsibility for their claims service and try to explain the reasoning behind a settlement.
Many customers who had clean driving records with no points praised the company for their competitive rates and great coverage.
Furthermore, many customers praised their top-notch customer service and inexpensive premiums.
Various Wawanesa reviews highlighted the significant discount they received with multi-car plans as well.
Many Wawanesa reviewers also had positive things to say about their claims resolution process, as it was straightforward, and customer service kept them updated on new developments.
Many complaints were from customers who had points on their license, as they stated that their rates increased significantly.
Furthermore, there were a few complaints about their website, as some customers found it difficult to navigate.
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Wawanesa Auto Insurance BBB Reviews
The Better Business Bureau is one of the most highly respected institutions when rating businesses on their performance. Wawanesa BBB reviews were subpar, coming in at 2.5 stars, as many customers stated less than ideal customer service and changing protocols that negatively affected the customer.
Another customer stated that their policy was abruptly canceled without notification, leaving them uninsured without their knowledge.
This seems to be a common issue with many insurance companies, so Wawanesa is not an outlier in this regard.
There were also some rather positive Wawanesa BBB reviews, such as customers praising the company for their affordability and transparency with any changes they made to their policy.
Wawanesa Review - Final Thoughts
In general, Wawanesa is comparable to similar insurance companies. They favor those with clean driving records and deny coverage to those with more than one point on their license. Their rates are low for those with clean driving records but are much more expensive than comparable insurance companies.
One of the only downsides is their limited coverage area within the United States, as it is only limited to California and Oregon. However, if you live in Canada, you can receive coverage in most provinces.
However, if you live in any of their coverage areas and have a clean driving record and plan to remain with the company for over a year, Wawanesa is likely your best car insurance option.
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