See How You Can Save on Auto Insurance
Already have a policy?
Call 800-640-2920 so we can help you.
Affordable car insurance that covers what you need
Get peace of mind with a Wawanesa car insurance policy, which can include a variety of coverages such as Bodily Injury Liability, Property Damage Liability, Comprehensive, and Collision coverage.
Our services are specially designed to meet the diverse needs of drivers across California and Oregon, ensuring a personalized and comprehensive coverage plan for every customer.
Bodily Injury Liability
Should you be held legally responsible, this coverage pays for injuries or death to another person, and related costs arising out of a covered accident, up to your policy limit.
Property Damage Liability
Should you be held legally responsible, this coverage pays for damages to another person's property like their car, home, or fence arising from a covered accident, up to your policy limit.
Comprehensive Optional Coverage
Pays, up to your policy limit minus your deductible, to repair or replace your car if damaged by something other than a collision. This includes theft, fire, vandalism, storm, contact with animals, and more.
Collision Optional Coverage
Pays, up to your policy limit minus your deductible, to repair or replace your car if overturned or damaged in a collision with another vehicle or object.
Roadside Assistance Optional Coverage
A safety net that pays for common roadside services, up to policy limits, if your car is disabled.
Auto insurance coverages vary from state to state. Learn more about the types of auto insurance coverage and let us help you find the right coverage for your vehicle.
Why do you need car insurance?
Car insurance is mandatory in 48 states. It protects you against financial loss in the event of an accident or theft. In exchange for your premium payment, the insurance company agrees to pay any losses incurred covered under your policy.
How to compare car insurance quotes
To make sure you’re comparing companies at the same levels, choose the same coverages with the same deductible and liability amounts. That way, you get an accurate “apples to apples” comparison of each company’s rates, which can help you get the best deal.
Choose your car insurance coverage
It’s important to determine how much coverage you need to fully protect your assets. Bodily injury liability and property damage liability are mandatory, but optional coverages should be considered as well to provide adequate protection.
Consider your limits
The limit for each coverage is the maximum amount paid out for a covered claim. Since state minimum limits are not usually enough to cover actual expenses incurred after an accident, it’s important to choose the highest limits you can afford.
Otherwise, you’ll have to make up any difference in costs out of your own pocket.
Select your deductible
The deductible is the amount you pay before your coverage kicks in. Choosing a higher deductible lowers your premium, but you’ll be on the hook for bigger out-of-pocket expenses after a covered incident.
The reverse is true too: A lower deductible means a higher premium, but the amount you’ll need to pay after an accident or other incident will be less.
What affects my car insurance rate?
The rate you’ll pay for car insurance depends on several factors. To help you better understand what can affect your rate we've provided an overview of several factors.
State Requirements
The amount you end up paying depends on your state’s minimum limits and coverage requirements. The more coverage you need to buy, the more your policy will cost.
Age
Younger drivers pay more because their lack of experience means they’re more likely to be involved in an accident. After age 25, rates go down until you become a senior (age 65) when higher rates come into play again.
Make and model
Certain cars cost less to insure. If your car has high safety ratings, you’ll likely pay less. But if your vehicle model is popular with car thieves, it will cost more to insure it.
Annual mileage
The more time you spend on the road, the greater chance you have of getting in an accident. If you only use your car for leisure trips, you’ll pay less.
Violations
Traffic violations and accidents will increase your rates. If you have multiple infractions, you’re considered a high-risk customer and will have to pay more for insurance.
Driving record
A clean record can garner you safe-driving discounts. Also, the years you’ve held a license affects your rate, with new drivers paying more.
ZIP Code
Where you park your car at night will influence your rate. Garaging it can get you a discount, but if you live in an area with more crime and/or crowded roads, you’ll pay more than a driver in a rural area.
Save money with Wawanesa’s auto insurance discounts
Save even more with all the discounts you deserve. Discounts can vary by state.
Loyalty
Loyalty does have its rewards. You’ll be eligible for this discount at policy renewal after you’ve been continuously insured with us for one full year.
Mature Driver Course
Those older and wiser drivers among us (55 and up) can save money by successfully completing a DMV-approved defensive driver course.
Multi-Car
Simply insure more than one vehicle (everything on wheels except your motor home) on the same policy to score this discount.
You may qualify for additional Wawanesa discounts like the Affinity or Multi-policy. To make sure you’re getting everything you should be to maximize your premium savings, check out all our driving discounts.
Auto Insurance Frequently Asked Questions
Why Wawanesa For Auto Insurance
Auto Insurance Policies and Coverage
Auto Insurance Payments
Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Disclaimer
Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.