Wawanesa Car Insurance Review [2020]

Wawanesa car insurance caters exclusively to good drivers in Canada, California, and Oregon. Wawanesa also offers towing and labor coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 27, 2020

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Company Details
Address: 9040 Friars Road Suite 200
City: San Diego
State: CA
ZIP Code: 92108-5865
Phone Number: 619-285-6000
Year Founded: 1896
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Wawanesa Car Insurance Company is available in just two states: California and Oregon
  • Wawanesa offers only a twelve-month policy
  • All of their discounts are contingent upon at least three years of good driving

Wawanesa car insurance company was founded in Canada in 1896 but didn’t come to the U.S. until 1974. Despite their long presence in the U.S., Wawanesa Car Insurance Company is available in just two states: California and Oregon.

Wawanesa offers two different types of insurance for U.S. residents: car insurance and residential insurance. Residential insurance covers both homeowners and rental insurance.

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What makes Wawanesa car insurance different?

One of the biggest differences that you will find between Wawanesa and many other auto insurance companies is that Wawanesa doesn’t offer a six-month policy option – only twelve months, which is actually beneficial to policyholders.

The reason that so many insurance companies renew every six months instead of every twelve is so that they can check your driving record more often and increase your rates if you have had an accident or points added to your driver’s license, and so on.

This practice isn’t illegal or unethical; it simply allows insurance companies to protect themselves from unsafe drivers.

Wawanesa Car Insurance Company, on the other hand, renews annually, which locks in your rates and allows you to save money.

The downside is that if you have had a past accident and the penalty expires in the first few months of your policy, then you are stuck with the higher rate for the duration of your policy.

Wawanesa is also different because they cater specifically to good drivers. They don’t approve applications from bad drivers, high-risk drivers, people with multiple claims, points on their license, etc.

The benefit is that if you are a good driver, then you receive an even better discount because they don’t have high-risk drivers, which equates to lower rates for all of their drivers. If, while you have a policy with the company, you have multiple accidents, then it is likely that you will be dropped once it is time for your policy to renew.

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What discounts does Wawanesa offer?

Just like every car insurance company, Wawanesa offers a variety of discounts for their policyholders. All of their discounts, however, are contingent upon at least three years of good driving.

In addition, some of their discounts require approved safety driving courses. For example, their mature driver discount applies when you take the mature driver safety course, which is only available for those who are 55 and older.

You can also get discounts for low mileage driving, safe driving, having certain safety devices in your vehicle, and more. If you choose Wawanesa for your car insurance, you will find that they clearly state the discounts you are receiving on your bill each month.

Does Wawanesa offer the same types of insurance as other companies?

Just like any insurance company, Wawanesa is required to provide specific types of insurance, or they will not be licensed to sell insurance in your state. Thus, whatever minimum requirements are required where you live, Wawanesa offers it.

In addition to the minimums required by California and Oregon, you will find that they also offer comprehensive and collision insurance for their drivers. These services are virtually the same as you will find at any other insurance company.

You can get Wawanesa towing and labor coverage for your vehicle. Unlike some other insurance companies, however, Wawanesa requires you to pay a $50 deductible for this service.

You can also choose rental insurance coverage. This coverage will provide you with service if you have an accident and your vehicle is totaled or needs to spend some time in the shop.

As with other insurance companies, you can save on your Wawanesa car insurance by choosing a larger deductible for your policy. Wawanesa offers two standard deductibles: $250 and $500. If you want a larger deductible, then you will have to speak to an agent.

If you choose to increase your deductible, you need to ensure that the deductible is an amount you can afford.

You wouldn’t want to have an accident and find that you can’t get your car completely fixed because you can’t afford the deductible.

Before you purchase Wawanesa car insurance, you should take the time to get quotes from multiple companies so that you can ensure that you receive the lowest rate.

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  1. https://www.wawanesa.com/us/california/about/
  2. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/res-ins-guide.cfm
  3. https://www.nsc.org/learn/Safety-Training/Pages/defensive-driving-driver-safety-training.aspx
  4. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  5. https://www.wawanesa.com/us/california/products/automobile/automobile-coverage.html?language_id=1#f1

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