Wawanesa Insurance is a Canadian-based mutual insurance company, meaning that its policyholders jointly own the company. Wawanesa provides auto insurance and homeowners insurance in the United States; Canadian customers can also purchase life insurance.
Who Benefits Most and Least from Wawanesa Insurance?
- People who live in California or Oregon (or Canada) and plan to stay there
- Drivers with a good driving history
- Those who prioritize good customer service
Not the Best For…
- Customers who live outside the area serviced by Wawanesa, which eliminates most U.S.-based drivers
- Drivers with more than a point or two on their licenses
- Anyone who prefers to handle all their insurance transactions online
Wawanesa Insurance: Earning your trust?
Wawanesa’s mission statement is “Earning your trust since 1896,” the year the company was founded. Wawanesa focuses on providing excellent service for its policyholders, and also stresses openness and fairness. Wawanesa does have an unusual transparency about its insurance products; the company website lays out exactly how to qualify for each possible discount, for example.
Wawanesa has a good customer service rating compared to its peers. While the company doesn’t have bad customer service, it doesn’t provide exceptional service, either. Most customer complaints focus on customer service issues and a tendency for rates to creep upwards (or sprint upwards) over time, especially after an accident.
In Canada, Wawanesa sells its policies through local brokers. Quality of service can vary quite a bit depending on which independent agent you work with.
Wawanesa Car Insurance Ratings
J.D. Power Ratings by Region (out of 1,000)
|California||844||Better than most|
Wawanesa Car Insurance Quotes and Discounts
You might think shopping for insurance means buying the cheapest option you can find, but if you’re not checking for discounts, you might not be saving as much as you think. Pick a policy with lots of available discounts, and a seemingly costly premium could end up being the best deal of the bunch.
Make sure you use Insurify when shopping for your car insurance policy—it makes sure you’re aware of any discounts for which you’re eligible and lets you compare quotes between several insurance companies!
Auto Insurance Quotes Comparison: Wawanesa vs. Competitors
To see how Wawanesa’s prices stacked up to those of its competitors’, Insurify’s data team compared Wawanesa’s car insurance quotes to quotes from GEICO and Progressive. The following are the average Wawanesa, GEICO, and Progressive quotes for drivers under 40 years old in California:
These are the average quotes for drivers with a speeding ticket in California:
Finally, these are the average quotes for California drivers with an accident on their record:
You never know which insurance company could give you the best deal for the best price! This is why you should always compare quotes online by using comparison websites like Insurify.
Drivers Can SAVE with these Discounts from Wawanesa
Wawanesa offers discounts to drivers with clean driving records, drivers in the military, drivers who have stayed with Wawanesa for a long time, drivers who have multiple cars on a Wawanesa policy, older drivers, and drivers who sign up for their policy online.
Wawanesa discounts vary based on which state you live in, so you should check with a Wawanesa representative to see which discounts you qualify for.
States Where Wawanesa Car Insurance is Offered
Wawanesa auto insurance is available in Canada and two U.S. states.
Wawanesa operates throughout Canada but is only available in California and Oregon within the United States.
Insurance minimums and coverage vary in every state, so you should look up the details for Wawanesa policies offered in yours.
Click here to find the cheapest car insurance quotes in your state.
Wawanesa Auto Insurance Coverages
Wawanesa offers policyholders the following types of insurance as part of its “standard” car insurance coverage:
Wawanesa offers customers both property damage and bodily injury liability, which are mandatory in most states. These cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver. For example, if you were at fault in a car accident with another car, Wawanesa would pay for the damages to that other car. If you were to crash into someone’s fence or mailbox, Wawanesa would pay for that, too.
Comprehensive and collision coverage
These types of car insurance coverage pay for damage to your vehicle, whether the damage is your fault or someone else’s. Collision coverage pays for damage that occurs when your vehicle hits something else (be it another car or something like a tree). Comprehensive coverage is for any type of covered damage that’s not the result of a collision: for example, if your vehicle is stolen or vandalized.
Uninsured and underinsured motorist coverage
What happens if you’re in an accident that’s someone else’s fault, but that person doesn’t have enough insurance coverage to pay for your vehicle repairs or medical expenses? In that case, Wawanesa’s uninsured or underinsured motorist coverage can help. If you’re hit by someone who has no insurance coverage or you’re the victim of a hit-and-run, uninsured motorist coverage would apply. Underinsured motorist coverage, not surprisingly, is for accidents where the at-fault driver has some insurance coverage, but not enough to pay for all the expenses. Some states require this coverage on your auto insurance policy, while others consider it optional.
Medical Payments coverage
If you’re involved in an accident, Wawanesa’s medical payments coverage will help pay your medical expenses, legal fees, and any emotional distress the accident caused you. Medical payments coverage is not intended as a replacement for health insurance, but it can complement your existing health insurance coverage. For one thing, your health insurance will help with your medical costs from an accident but it won’t do a thing for your passengers, whereas your medical payments coverage extends to everyone in your vehicle.
Personal Injury Protection coverage
Wawanesa offers Personal Injury Protection (PIP) coverage as your state requires. If you’re a resident of a no-fault accident state, you’re required to have either medical payments coverage or PIP coverage. PIP covers your medical payments in the long-term aftermath of your accident, not just the immediate aftermath. This means if you or your family members sustained injuries that require regular hospital visits and rehabilitation, PIP will cover those costs. PIP tends to cover more expenses than medical payments coverage does, but unlike medical payments coverage, you’ll have a deductible to meet. Check to make sure you’re comfortable with the level of PIP coverage before purchasing your insurance policy.
The following are optional coverages that are available as add-ons to a standard Wawanesa car insurance policy:
Wawanesa provides you with 24-hour roadside assistance if you’re stranded on the road because you ran out of fuel, locked your keys in the car, need your tire changed, need your battery revived, or need your vehicle towed to another place. It also includes a “Sign and Drive” option that results in no out-of-pocket charges for roadside assistance; you just sign the receipt and Wawanesa pays the service provider directly.
Rental Car Reimbursement
Wawanesa will reimburse you for the cost of renting a car if you’re in an accident and your vehicle is undergoing repairs. But of course, it will only cover the costs if your policy covered the original accident (which means you’ll have to have comprehensive or collision coverage on your policy, depending on the nature of the damage). You can choose a coverage level of $30, $40, or $50 per day for this add-on; whichever level you choose, the coverage extends for a maximum of 30 days.
Other Special Auto Coverages Offered by Wawanesa Insurance
Vehicle manufacturer replacement parts
This endorsement covers the cost of repairing your vehicle using parts made by the vehicle’s manufacturer. To get the endorsement, you must have both collision and comprehensive coverage and your vehicle must be fewer than 11 years old.
Other Insurance Products Offered by Wawanesa Insurance
Dwelling protection, personal possession protection, liability coverage, and loss of use coverage are standard inclusions for homeowners insurance policies provided by Wawanesa. You can also tack on coverage for home systems coverage (for basic home infrastructure items like HVAC and water heaters), cyber protection coverage (helps with restoring lost information after a cyber attack), high-value personal property coverage, service line coverage, and identity fraud expense coverage.
If you rent rather than own your home, Wawanesa can provide renters insurance that includes personal property coverage, liability coverage, loss of use coverage, and medical payments coverage. You can add optional coverage that includes high-value personal property coverage, identity fraud expense coverage and increased limits to standard coverage options.
Wawanesa’s condo insurance coverage is quite similar to its homeowners insurance plans. Standard coverage includes personal property, dwelling coverage (for areas not protected by the building association), liability, and medical payments coverage. High-value property coverage, theft and credit card fraud coverage, and loss assessment coverage are offered as add-ons.
Wawanesa’s life insurance subsidiary, Wawanesa Life, operates only in Canada. The insurer sells both permanent and term life insurance policies. The term policies can be purchased for periods ranging from 10 to 30 years; there’s also a “term to age 80” option that keeps premiums from rising until the insured reaches the age of 80. Finally, the Quick Issue Critical Illness policy is a type of term insurance that provides a lump-sum payment to help survivors of serious illness get back on their feet.
How Can I Buy Auto Insurance from Wawanesa?
You can purchase Wawanesa’s car insurance by getting a quote on www.wawanesa.com if you’re in the U.S. Canadian drivers can only purchase Wawanesa insurance from a broker.
Remember to compare quotes before you make a decision by using a website like Insurify, which lets you compare up to 20 quotes at a time!
How Can I Pay for My Wawanesa Car Insurance Policy?
Wawanesa accepts almost all methods of payment, including paying online, by phone, or through the mail. If you pay your premium in full, you can avoid installment fees.
Credit card or bank account
You can log in to your Wawanesa account and pay with your credit card or your checking or savings account. Alternatively, Wawanesa allows you to skip the login and make a one-time payment if you provide your account number.
Through your bank
You can sign up for online payments through your bank by using your Wawanesa account number. To get set up, you’ll also need your bill amount and due date. Use the following payment processing address:
Wawanesa General Insurance
PO Box 85048
San Diego, CA 92186-5048
CP/PO Box 1530
Once you’ve completed the setup process, you can easily make future payments through your bank’s bill pay system.
You can set up automatic monthly payments from your checking or savings account; your account must be current to enroll. Log into your Wawanesa account online, speak with your broker (if in Canada) or call 1 (800) 640-2920 to get started.
Call 1 (800) 640-2920 to pay for your policy over the phone. You’ll need your billing account number to proceed, and making a payment by this method adds a $4.99 convenience fee.
You can send a check or money order to the Wawanesa Insurance mailing address that matches your location:U.S. customers:
Wawanesa General Insurance
PO Box 85048
San Diego, CA 92186-5048
CP/PO Box 1530
How Often Will Wawanesa Increase My Premiums?
If you get into an accident…
Even safe drivers can get into unfortunate situations, and most of the time, getting a ticket or a violation on your record will lead to premium increases. In fact, your auto insurance rates will most probably increase even if you weren’t at fault in the accident.
If you’re a loyal customer…
Many Wawanesa policyholders complained of price hikes even though they had maintained clean driving records. It’s wise to compare rates with other insurance providers every time your policy is up for renewal, even if your rates with your existing insurer don’t change.
If you file a claim…
The number of claims you file will also impact your Wawanesa premiums. If you file a claim, even for an accident where you weren’t at fault, your Wawanesa rate will probably increase.
How Does Wawanesa’s Claims Process Work?
You can file a claim online by logging into your Wawanesa account online and following prompts. You can also call 1 (877) 929-2637 if you would rather speak to a representative. Once you’ve filed a claim, you can manage and track its progress online by entering the claim number and policy number or call 1 (877) 929-2637 for updates.
How Can I Cancel My Wawanesa Car Insurance Policy?
You can call your local broker (in Canada) or speak with a Wawanesa Insurance representative at 1 (800) 640-2920 to cancel your policy.
Cancellation fees vary by state and policy, so you should consider canceling your policy at the end of the policy period to avoid such fees. Make sure you already have another insurance policy lined up for your car so there are no gaps in your insurance. You’ll also want to hold off on canceling your plan until you have your proof of insurance letter. Use an insurance comparison website like Insurify to find and compare auto insurance quotes for free.
How Much Does Uber/Lyft Coverage Cost with Wawanesa Insurance?
Sadly, Wawanesa Insurance doesn’t offer rideshare coverage. If you have a Wawanesa auto insurance policy, you may be able to purchase a ridesharing policy from another company to protect you during the time between when your personal coverage from Wawanesa Insurance ends and your Uber or Lyft policy takes over. This type of rideshare policy is only active between when you log into the Uber or Lyft app and when you get matched with a passenger, periods your commercial insurance won’t cover.
Because the ridesharing coverage only operates for a brief window, it’s typically quite affordable—though specific costs will vary based on your driving history, location, credit score, and other factors.
Insurance Companies Similar to Wawanesa
Independent of your standard GEICO, Progressive, and State Farm quotes, which typically run a hair cheaper than industry averages, Wawanesa’s quotes remain pretty competitive by Oregon and California standards.
Mercury, COUNTRY Financial, and Safe Auto operate in both or either of these states and are quick to insure drivers with cleaner driving records. And, as if taking a page from the Wawanesa handbook, they all keep advertising costs low in order to offer cheaper premiums to these drivers.
Wawanesa Car Insurance Customer Satisfaction and Policyholder Reviews
Customer reviews for Wawanesa are generally positive, but some reviewers cited sudden and unexpected rate increases. Other customers complained that Wawanesa’s handling of their claims was unsatisfactory and unhelpful. (Wawanesa appears to be quite responsive to customer reviews on online forums.)
Wawanesa Mobile App Review
Currently, Wawanesa doesn’t have a mobile app. It does have webpages directing users to the Apple and Google app stores, but ultimately these links are either broken or the apps no longer exist. Customers can still view their account details online by logging into their Wawanesa account.
Frequently Asked Questions: Wawanesa Car Insurance
Does Wawanesa have good insurance?
Wawanesa Insurance is a good option for car insurance if you live in Canada, Oregon, or California; if you have a good or excellent driving history; and if good customer service is important to you. It might not be a good option if you're looking for an insurance company with a cutting-edge website or you have a few (or many) points on your license.
How do you know if Wawanesa is the cheapest car insurance in your area?
Shop around for insurance with an auto insurance quotes comparison site like Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible. You can never rely on one insurance company to give you the best or the cheapest quote. Different insurance companies use different factors to set their rates, so even if a particular insurance company gave your friend a great rate that doesn’t mean it will be the best deal for you. That’s why it’s important to do your research and compare quotes among other insurance companies. This can be time-consuming, but Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once!
Is Wawanesa the cheapest car insurance in your area?
You can never rely on just one company to give you the best or the cheapest car insurance quote. Just because Wawanesa had an excellent deal for your friend doesn’t mean it’ll have the same deal for you. That’s why it’s essential to do your research and compare quotes among other insurance companies. This can be time-consuming, but Insurify helps you compare auto insurance quotes in a matter of minutes.
All you have to do is put in some basic information about your driving profile, and you can compare up to 20 quotes at once for free!
Wawanesa Auto Insurance Overview
Wawanesa Insurance was founded in 1896 in Manitoba, Canada to service local farmers. The company incorporated in 1929 and began expanding into other provinces shortly thereafter.
In 1975 Wawanesa Insurance extended its reach into the USA and began selling policies in California. The U.S. expansion continued in 2000 when it began offering Oregon policies as well. Today, Wawanesa is one of the largest insurance companies in Canada.
A.M. Best, a credit rating company that assesses the financial strength of insurance companies, gives Wawanesa Insurance an “A,” denoting excellent financial health and ability to pay out claims.
Wawanesa Contact Information
|Customer service phone number||1 (800) 640-2920|
|Claims service phone number||1 (877) 929-2637|
|U.S. Mailing address||Wawanesa General Insurance, PO Box 85048, San Diego, CA 92186-5048
|U.S. Headquarters address||9050 Friars Road, San Diego, CA 92108|