Disclaimer: We are not Wawanesa Insurance Company. This article is specifically designed to bring you an honest and unbiased Wawanesa car insurance review and nothing more.
This Wawanesa car insurance review is roughly a 4-minute read.
Wawanesa is one of the smaller car insurance providers in the country, but they do have some potential to offer you the best car insurance coverage in your area.
To make your life that much easier, we have made some easy links directly below that will allow you to skip to any specific section of this review that interest you:
- Our Wawanesa Car Insurance Review
- Wawanesa Car Insurance History and Background
- Wawanesa Insurance Company Financial Strength
- Wawanesa Insurance Company BBB Ratings and Complaints
- Wawanesa Insurance Company Car Insurance Coverages Offered
- Wawanesa Other Car Insurance Coverages Offered
- What Makes Wawanesa Car Insurance Unique?
- Discounts Available with Wawanesa Car Insurance Company
- Cost of Wawanesa Car Insurance Company
- Who Should Consider Wawanesa Car Insurance?
- Rideshare Coverage with Wawanesa
- Pros of Choosing Wawanesa for Car Insurance Coverage
- Cons of Choosing Wawanesa for Car Insurance Coverage
- Final Thoughts on Wawanesa Car Insurance
We also know how demanding life can get and that time can be of the essence, so we wanted to provide you with a 45-second overview of Wawanesa car insurance and if they are one of the top car insurance companies in the U.S. to work with.
Here are those details.
Wawanesa Insurance Company currently only offers car insurance coverage in the state of Oregon and California.
Additionally, Wawanesa does not offer rideshare car insurance coverage, has no local agents, and provides a limited number of discounts.
In most situations, you will be able to locate better and cheaper car insurance comparing rates with other big names in the industry such as Geico Insurance Company or Even MetLife Insurance Company
However, if you do live in Oregon or California and have a clean driving record and clean credit history, Wawanesa Insurance Company is certainly worth the time to run a quote and compare rates with.
That was the quick snapshot of Wawanesa.
Assuming that information wasn’t quite enough for you and assuming you do have those 4 minutes to spare, we recommend you read our full Wawanesa car insurance review.
Here’s that information for you.
Our Wawanesa Car Insurance Review
Wawanesa Insurance Company is a bit different from the rest of the major car insurance providers that we all know and trust.
For starters, Wawanesa car insurance is a Canadian based auto and home insurance provider that currently only offers car insurance coverage in Oregon and California.
Clearly, this is the opposite of what we are used to seeing with other big brand car insurance companies.
This doesn’t necessarily mean that they can’t be your go-to provider if you do happen to reside in Oregon and California.
Here’s the rest of the details that you should know.
Wawanesa Car Insurance History and Background
Wawanesa Insurance company has a very similar background to Farmers Insurance Company.
They originally began in 1929 as a farmer’s mutual insurance company who raised their initial startup capital from local farmers in the area.
Just a short two weeks after founding the company, Charles Kerr wrote the companies first car insurance policy totaling 24 dollars for three years of coverage.
In 1974, Wawanesa Insurance Company branched into the United States operating under the laws of California and currently has a head office in San Diego California as well as the State of Oregon.
Wawanesa Insurance Company Financial Strength
Financial strength ratings are always an important consideration to keep in mind when determining which car insurance company to work with.
Currently, Wawanesa Insurance Company is being provided the following financial strength ratings from A.M Best.
A.M. Best- A (Excellent)
While some car insurance providers may certainly have higher financial strength ratings than Wawanesa, an A rating is nothing to be concerned with and is considered strong and stable.
Wawanesa Insurance Company BBB Ratings and Complaints
BBB Ratings can go to show how a company handles consumer complaints when they do arise.
Wawanesa Insurance Company has been accredited with the BBB since 1975 and currently is holding down the highest possible rating you can be provided by the BBB coming in with an A+ rating.
We were also pleased to see the overall small number of complaints filed against Wawanesa compared to some of the other insurance companies we have reviewed in the past.
Wawanesa Insurance Company Car Insurance Coverages Offered
Wawanesa Insurance Company is going to offer full coverage auto insurance in the state of Oregon and California.
This coverage is going to be the exact same form of auto coverages you will find with nearly all car insurance companies.
Here’s a look at those coverages.
- Uninsured Motorist Coverage
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Bodily Injury Coverage
Wawanesa also offers a good selection of deductibles you can select to help make your car insurance coverage more affordable.
Currently, Wawanesa offers the following deductible options for your coverage.
- 100.00
- 200.00
- 300.00
- 500.00
- 1,000.00
- 1500.00
- 2500.00
Wawanesa Other Car Insurance Coverages Offered
In addition to the basic car insurance coverages offered by Wawanesa, they do offer a few additional coverages you can elect to purchase including the following:
Rental Car Coverage- This coverage is the same as rental car reimbursement and pays for the cost of renting a vehicle while your current vehicle is undergoing repairs.
Emergency Roadside Service- This coverage can vary based on your local area but in most circumstances is going to cover dead batteries, flat tires, towing, and if you are locked out of your vehicle.
What Makes Wawanesa Car Insurance Unique?
Like we stated previously, Wawanesa car insurance is unique purely from the standpoint that they only offer coverage in 2 U.S. States and the fact that they are a Canadian based insurer.
Discounts Available with Wawanesa Car Insurance Company
Currently, Wawanesa does offer some good discounts that could provide you with substantial savings on your car insurance.
Here is a look at them.
Good Driver Discount- To be qualified for this discount you need to have a valid driver license for the past 3 years and have no DUI violations in the last ten years and no more than 1 moving violation in the previous 3 years.
Multi-Car Discount- This can be applied to anyone who has more than 1 vehicle insured with Wawanesa.
Mature Driver Discount- This discount can be applied to anyone who has auto insurance with Wawanesa and is over the age of 55.
Driver Training Discount- This can be applied to any driver who has completed a driver education course in the past 24 months.
Loyalty Discount- This can be applied to anyone who has maintained coverage for more than 1 year.
Cost of Wawanesa Car Insurance Company
Wawanesa does have one downfall when it comes to purchasing car insurance.
They are certainly not the cheapest car insurance company you can choose.
In fact, most consumers and other independent reviews that you can find about Wawanesa car insurance coverage will specifically state that if you are not a preferred driver which includes no accidents, or tickets that likely you can find other car insurance companies for much cheaper.
With this being the case and assuming you do want the cheapest car insurance possible, we recommend looking at other car insurance companies such as the following.
- Allstate Car Insurance Company
- Progressive Car Insurance Company
- Root Car Insurance (If You Are a Safe Driver)
Comparing rates with multiple car insurance companies is always the best avenue to take.
Period.
Who Should Consider Wawanesa Car Insurance?
If we factor in what we just discussed about Wawanesa not being cheap for risky drivers, the only individuals who should consider Wawanesa for car insurance coverage would meet the following criteria.
- Resides in Oregon or California
- No Tickets, DUIs or Accidents on Your Driving Record
If you do meet these requirements, you can certainly take the time to run a quote with Wawanesa.
There is never any harm in seeing what they can offer you and then moving on through your quote comparisons.
Rideshare Coverage with Wawanesa Car Insurance Company
This is another big downfall with Wawanesa.
Currently, Wawanesa is not going to offer any car insurance coverage for uber or lyft drivers.
If you do fall into this group of individuals needing coverage, you need to consider other options for coverage.
Pros of Choosing Wawanesa for Car Insurance Coverage
While Wawanesa isn’t the largest name brand for car insurance in the United States, they do still have some unique pros about working with them.
Here’s a look at them:
- Free Cancelation Policy
- Mobile App and Digital Claims Reporting
- Potential Large Savings If Eligible for Discounts
Cons of Choosing Wawanesa for Car Insurance Coverage
On the flip side, you do have some major drawbacks of working with Wawanesa Insurance Company.
Here they are:
- No Local Agents
- No Discounts for Vehicle Equipment
- No Rideshare Coverage
- No Accident Forgiveness
- State Availability
Final Thoughts on Wawanesa Car Insurance
Like we stated previously, Wawanesa car insurance coverage may be a good fit if you reside where Wawanesa is available, and you have a squeaky-clean driving record.
If you do have blemishes on your driving history, you will likely be much better off working with a different car insurance company.
At the end of the day, the only way you can know for sure is if you go through the steps of comparing quotes with multiple options.
Ultimately, this is what’s going to save you the most time, money, and provide you with the best car insurance coverage possible.
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