Wawanesa Insurance: Rates, Coverage, and Customer Service

Wawanesa Insurance offers a range of insurance products, including auto, home, and business coverage.

Their auto insurance rates are competitive, with an average annual premium of around $1,200. This is significantly lower than the national average.

Wawanesa Insurance is known for its excellent customer service, with a 95% customer satisfaction rate. This is a testament to their dedicated team of insurance professionals.

Their claims process is also highly efficient, with most claims settled within 5 days. This is a significant advantage for policyholders who need to get back on the road quickly.

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Wawanesa Insurance offers a range of insurance options to suit different needs and budgets.

Homeowners can choose from a variety of coverage levels, including standard and expanded coverage, to protect their homes and belongings.

The company also offers custom coverage options for unique or high-value items, such as jewelry or art collections.

Businesses can select from a range of commercial insurance policies to protect their operations and assets.

Wawanesa's auto insurance policies include coverage for accidents, theft, and vandalism, as well as liability coverage for damages or injuries to others.

The company's life insurance policies provide financial protection for loved ones in the event of the policyholder's passing.

Wawanesa's insurance options are designed to be flexible and customizable, allowing policyholders to tailor their coverage to their specific needs.

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Wawanesa insurance offers a range of coverages and benefits to help protect you on the road. Wawanesa covers roadside assistance twice per policy period, up to $100 each time.

You can also add extra protection to your policy, such as rental car coverage, which helps cover the cost of a rental car while your vehicle is in the shop after an accident. Vehicle manufacturer replacement parts coverage is also available, which guarantees that a mechanic will use parts made by the original manufacturer to fix your car after an accident.

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Wawanesa's comprehensive policy includes free windshield repair, so you don't need separate coverage to pay for cracks or other repairs. Your rates won't go up if you make a claim.

Some key coverages offered by Wawanesa include:

Wawanesa offers a few ways to add extra protection to their basic car insurance policy.

Roadside assistance is available, covering two incidents per policy period up to $100 each time.

Rental car coverage helps cover the cost of a rental car while your vehicle is in the shop after an accident.

Vehicle manufacturer replacement parts coverage, also known as original equipment manufacturer (OEM) coverage, guarantees that a mechanic will use parts made by the original manufacturer to fix your car after an accident.

Some drivers may want to look elsewhere for certain types of coverage, such as gap insurance or rideshare coverage.

A comprehensive policy from Wawanesa includes free windshield repair, so you don't need separate coverage to pay for cracks or other repairs.

Wawanesa's basic auto insurance coverages include bodily injury liability, property damage liability, personal injury protection, medical payments, uninsured and underinsured motorist coverage, and collision and comprehensive coverages.

Some of these coverages include:

Wawanesa offers rental car coverage. For an extra fee, they can help pay for a rental vehicle if your car is in the shop after an accident.

If you're involved in a collision, Wawanesa can help you get back on the road with a rental car.

You'll need to pay an additional fee for this service, but it can be a lifesaver if you're without a vehicle.

Wawanesa's rental car coverage is a convenient option for those who don't have a spare car or can't afford to be without one.

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Wawanesa's customer service reviews are mixed, with some drivers being very happy with their experience while others have had issues with the claims department.

Drivers in California, however, seem to be generally happy with Wawanesa's service, as it received the second highest rating on J.D. Power's Auto Insurance Study for the state of California.

Wawanesa received a rating of 879 from J.D. Power, which is a high score, but it's worth noting that it's not the highest rating.

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The National Association of Insurance Commissioners (NAIC) reports that Wawanesa receives twice as many complaints as other companies of its size.

Most of these complaints focus on the claims department, where drivers were often unhappy with the amount paid out after a claim and the length of the claims process.

Here's a summary of Wawanesa's ratings:

If you've been a customer for over 10 years, you're part of a loyal group that's been consistently satisfied with the service. This customer has been with the company since 2013 and has been very happy with their car and home insurance.

They've had two claims, and both experiences were smooth and hassle-free. The agents were helpful and paid out fairly.

One thing to note is that the company isn't open on weekends, which can be a drawback if you need assistance during that time. This customer had an issue with a pipe burst and wished for more guidance on how to handle it.

Another area for improvement is the online payment process. The customer had trouble connecting their accounts and had to deal with a changed account number. They also wished for an online profile to keep track of their insurance information.

Despite these issues, this customer is happy to continue with the company due to their great rates and good service.

Wawanesa Insurance has a mixed bag when it comes to customer service reviews. Drivers in California generally have positive experiences, as Wawanesa received the second highest rating on J.D. Power's Auto Insurance Study for the state of California.

The company's rating is 879, which is quite high. To put this into perspective, a rating of 820 is considered "higher is better" on the J.D. Power scale.

On the other hand, Wawanesa receives twice as many complaints as other companies of its size, according to the National Association of Insurance Commissioners (NAIC). This is a significant red flag.

Most complaints focus on the claims department, with drivers expressing dissatisfaction with the amount paid after a claim and the length of the claims process.

Here's a breakdown of Wawanesa's customer service ratings:

It's worth noting that most major insurance companies have a Financial Strength Rating of A or higher, including State Farm, Geico, and Progressive.

Some customers have had positive experiences with Wawanesa, with one reviewer stating that they have been with the company since 1985 and have always received fast and great customer service.

Wawanesa Insurance has an A- rating from the Better Business Bureau, indicating a strong commitment to customer satisfaction.

Their financial strength is backed by over $1.5 billion in surplus, which is a significant reserve to draw from in case of unexpected claims.

Wawanesa Insurance is known for offering competitive rates, often 10-20% lower than other insurance providers, making it a more affordable option for many customers.

Wawanesa's auto insurance quotes are quite competitive, especially when compared to other companies.

According to a comparison chart, Wawanesa's monthly rate is $41, which is higher than Geico's $33 and AAA's $38, but lower than Progressive's $39 and State Farm's $55.

Here's a more detailed breakdown of the monthly rates for various companies:

However, Wawanesa's rates can vary depending on your driving history. If you have a clean record, Wawanesa's full coverage policy costs $111 per month, which is 27% cheaper than average.

Wawanesa Discounts can help you save money on your car insurance. Wawanesa offers more car insurance discounts to drivers in Oregon than to those in California.

If you're a California driver, you may be able to get cheaper rates if you qualify for more discounts from another insurance company. Wawanesa's discounts vary by state, so it's worth checking the specific discounts available in your area.

You can get a discount for being a good driver, which means having a license for at least three years, no more than one ticket or at-fault accident in that time period, and no DUIs within the last 10 years. A good driver discount can be a great way to save money on your car insurance.

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Wawanesa also offers a loyalty discount, which means you'll save money once you're insured with Wawanesa for one year. The longer you stay with Wawanesa, the bigger the loyalty discount.

Here are some of the discounts Wawanesa offers:

You can also get a discount for being a member of an affinity group that partners with Wawanesa. Wawanesa offers more car insurance discounts to drivers in Oregon, including a discount for completing a state-approved driver training course.

If you have a loan or lease on a new vehicle, you should consider buying car insurance from a company that offers gap insurance, like Progressive or Allstate.

Wawanesa doesn't offer gap insurance, so if you're looking for a provider that does, you'll need to explore other options.

Buying gap insurance can be a lifesaver if your vehicle is totaled and you still owe money on the loan.

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We used data from Quadrant to compare the average cost of a full-coverage policy from Wawanesa to competitor rates for the same coverage with the same driver profile.

Wawanesa offers 11 different types of auto insurance coverage, but this actually hurts its score when it comes to coverage options.

Wawanesa has mediocre financial ratings, scoring a B with AM Best and an A- with S&P, which means it's in a decent financial position to pay out its customers' claims.

Wawanesa is not rated by Moody’s, which is a notable absence in the industry.

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If I could rate less than 1 star, I would and I'm not alone. Company is an absolute joke, as evident from a customer's experience where they got their car stolen and received an initial offer a month later.

The customer was unhappy with the offer and sent over comparables, which were deemed very fair, but it took a full week to get a response. This slow communication was a recurring theme.

The customer's agent had no respect for their time and replied to emails on a timely manner, causing frustration and distrust. This lack of communication is a major red flag.

The final offer was a slap in the face, and the customer will not recommend this company to anyone. Their experience serves as a warning to others to be cautious and do their research before choosing a company.

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Wawanesa car insurance is only available in two states: California and Oregon. However, it's worth noting that while Wawanesa is not available for new policies in Oregon, existing policyholders still have coverage.

Currently, Wawanesa is only available in California. This means that if you're looking for Wawanesa insurance, you'll need to be a resident of California.

If you're wondering which states don't offer Wawanesa insurance, the list is quite long. Here's a breakdown of the states where Wawanesa is not available:

If you're considering Wawanesa Insurance, it's essential to weigh the pros and cons.

Wawanesa Insurance offers a wide range of insurance products, including home, auto, and business insurance, making it a one-stop-shop for many customers.

Their home insurance policy, for example, includes coverage for damage to your home and personal property, as well as liability coverage in case someone gets injured on your property.

One thing to keep in mind is that Wawanesa Insurance has a relatively low number of complaints filed against them with the Better Business Bureau.

Wawanesa Insurance offers a 24/7 claims hotline, which can be a lifesaver in case of an emergency.

Their insurance policies also come with flexible payment options, including monthly payments, to help make them more affordable.

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