Wawanesa Insurance
Wawanesa Insurance
Find the Cheapest Auto Insurance Quotes in Your Area
Pros
- Clear, straightforward, and transparent information on your auto insurance policy coverage and limits
- Consider this auto insurance provider if you have a great driving history as rates can be cheaper
Cons
- Underwrites auto insurance business only in California and Oregon in the United States
- Wawanesa tends to insure drivers with good driving history, so drivers with more than a point or two on their records may not get advantageous rates
Wawanesa Auto Insurance Policy & Coverage
Clear and Transparent Guidelines
What we like best about Wawanesa is that the company provides clear and transparent information online on their car insurance coverage. For example, the company lays out all of the requirements to obtain a good driver discount or a mature driver improvement course discount, along with exactly which coverages it is applicable to or excluded from. While most insurers are vague about the conditions surrounding premium increases due to at-fault accidents, Wawanesa clearly outlines the circumstances under which your auto insurance policy will be affected so that there are no surprises and ambiguity. If you are determined to be more than 51% responsible, and resulting damages exceed $1,000, then your premiums will increase upon your next policy renewal. The accident remains on your record for three straight policy terms. On the other hand, claims made under the comprehensive coverage of your policy, such as windshield damage from rocks or other airborne objects, do not impact premiums.
The company tends to insure drivers with good road records. If you have no points, then Wawanesa is a great option to consider. If, however, you have more than a point or two in your driving history, rates from Wawanesa may not be the best. For a list of other cheap auto insurance providers in your area, enter your city's zip code here:
Find the Cheapest Auto Insurance Quotes in Your Area
Customer Reviews on Wawanesa
Customer reviews indicate that their best interactions with Wawanesa have been over the phone. Wawanesa's website, while easy to understand and navigate, is basic, and does not give policyholders a full suite of online options (such as accessing billing payments, etc.). Customers with good driving histories report paying cheaper car insurance premiums, with great service from supplying temporary rental cars to repairing damages. However, once customers wander into at-fault territory (see above), their premiums will increase. To ensure you're receiving a fair deal, we recommend comparing the rate you receive to the average cost of car insurance in your state. In the 2013 JD Power & Associates Auto Insurance survey, Wawanesa scored top marks in overall satisfaction, and categories of claims processing and handling, policy coverage, and pricing.
Good Roadside Assistance Program
Wawanesa offers a Roadside Assistance program that is available 24 hours a day without any holiday blackouts. If policyholders need any emergency towing or flat tire changes, along with more mundane vehicle lockouts. If your car happens to stop operating because of a depleted battery or low fuel levels, Wawanesa's roadside program will assist with fuel delivery and battery jump starting service. Lastly, when your vehicle goes off the road and becomes stuck in a ditch, a snowbank, or mud, the program also provides extrication and winching assistance. Keep in mind that while the assistance is covered by Wawanesa, the additional cost of fuel, parts, or keys may cost extra. Furthermore, there is a $100 benefit limit, and one disablement and four incidents per covered vehicle per policy period. Drivers have the option of using Wawanesa Auto Insurance's in-network providers, or outside service providers - the difference is having your auto insurance policy pay up front and up to the benefit limit, versus paying out-of-pocket and submitting a reimbursement after the incident.
Notable Awards
Wawanesa was recently ranked as the top insurance company in California based on a 2013 study by J.D. Power. The report measures customer satisfaction across a multitude of factors including price, number of policy offerings, and claims. Wawanesa finished atop the survey ahead of second and third place finishers State Farm and The Hartford.
Insurer Ratings
|
Rating | Value |
|---|---|
|
JD Power Auto Insurance Study Award (2013) | Best in California |
|
AM Best Financial Strength Rating (2013) | A |
|
Better Business Bureau Rating (2013) | A+ |
|
NAIC Complaint Index (2012) | 0.70 (Better than Average) |
How to File a Claim with Wawanesa Insurance
Telephone Number: (800) 57CLAIM or (800) 427-9669
- Press 4 for Claims
- Press 1 to report a claim or 2 to speak with an adjuster or representative about an existing claim
About Wawanesa Insurance
Wawanesa Insurance started as a farmers' mutual insurance provider in Wawanesa, Manitoba, in Canada in 1896. The company branched into the American market in 1974, and is licensed to provide auto and residential (renter, homeowner, and condominium) insurance in the states of California and Oregon.
Company website: www.wawanesageneral.com
Information current as of December 2013
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.