Find Out How Much You Can Save On Car Insurance

Already have a policy?
Call 800-640-2920 so we can help you.

Affordable Car Insurance For Good Drivers

Enjoy peace of mind with a Wawanesa car insurance policy, designed to protect you with a range of essential coverages, such as Bodily Injury Liability, Property Damage Liability, Comprehensive coverage, and Collision coverage.

Our policies are thoughtfully tailored to meet the unique needs of California and Oregon drivers, providing a personalized comprehensive coverage plan that delivers reliable protection and confidence for every journey.

Bodily Injury Liability

If you’re found legally responsible, this coverage helps pay for injuries or fatalities to another person and related expenses arising from a covered accident, up to your policy limit.

Property Damage Liability

This coverage helps pay for damages to someone else’s property—like their vehicle, home, or fence—if you’re held legally liable for a covered accident up to your policy limit.

Comprehensive Coverage Optional Coverage

Comprehensive coverage helps pay for repairs or replacement if your car is damaged by something other than a collision, for example theft, fire, vandalism, storms, or animal contact. Coverage applies up to your policy limit minus your deductible.

Collision Coverage Optional Coverage

If your car is overturned or damaged in a collision with another vehicle or object, this coverage helps repair or replace your car, up to your policy limit, minus your deductible.

Roadside Assistance Optional Coverage

Stay prepared with coverage for common roadside emergencies. From towing to flat tires, roadside assistance covers services up to your policy limit, if your vehicle becomes 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 best fit for your vehicle and driving needs.

Auto Insurance Coverage

Do you need car insurance?

Car insurance isn’t just a legal requirement in 48 states—it’s your financial safety net. In exchange for your premium, your insurance policy helps cover losses from accidents, theft, and other covered incidents under your policy, protecting you from significant out-of-pocket expenses.

Tips for Comparing Car Insurance Quotes

To get an accurate comparison between insurance companies, ensure you use the same coverage levels, deductibles, and liability limits for each quote. This “apples-to-apples” approach helps you evaluate insurance rates effectively and find the best deal for your needs.

Review Your Coverage Options

Start by deciding how much protection you need to safeguard your assets. While Bodily Injury Liability and Property Damage Liability are required, adding optional coverages like Comprehensive, Collision, or Roadside Assistance can provide adequate protection and extra peace of mind.

Understand Your Coverage Limits

The coverage limit is the maximum amount your insurance will pay for a covered claim. Keep in mind that state minimums often fall short of covering actual costs incurred after an accident. It’s wise to choose the highest limits you can afford to avoid paying out-of-pocket for additional expenses.

Choose Your Deductible

Your deductible is the amount you’re responsible for paying before your coverage applies

A higher deductible lowers your premium, but increases out-of-pocket costs after a covered claim. A lower deductible raises your premium, but reduces the amount you’ll need to pay after a covered incident.

Finding the right balance between the deductible and premium can help you customize your policy to fit your budget and coverage needs.

Get An Online Quote Now!

What affects my car insurance rate?

The cost of your car insurance policy is determined by various factors. Here’s an overview to help you understand what influences your rate:

State Requirements

Your state’s minimum coverage requirements play a significant role in your premium. States with higher mandatory limits or additional required coverages will typically incur higher insurance costs.

Age

Younger drivers, especially teens and those under 25, usually pay more due to their lack of experience and higher likelihood of accidents. Rates tend to decrease with age, but may rise again for senior drivers, aged 65 and older.

Vehicle Make and Model

The type of car you drive impacts your premium. Vehicles with strong safety ratings often cost less to insure, while those frequently targeted by thieves or with higher repair costs may result in higher rates.

Annual Mileage

How much you drive matters. High-mileage drivers face greater accident risk, which can increase rates. If you only use your car occasionally, for leisure or short commutes, you’ll likely pay less.

Traffic Violations

Accidents and traffic violations on your record can significantly increase your rates. Multiple infractions may classify you as a high-risk driver, leading to higher insurance premiums.

Driving Record

A clean driving history can help you qualify for safe-driver discounts. Additionally, the length of time you’ve held a license affects your rate, with new drivers generally paying more.

ZIP Code

Your location influences your insurance costs. Drivers in urban areas with higher traffic congestion or crime rates may pay more, while those in rural areas with less risk may enjoy lower premiums. Parking your car in a garage overnight could also help you save.

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.

Car Insurance Discounts

Frequently Asked Auto Insurance Questions

Why Wawanesa For Auto Insurance

What kind of service can I expect from Wawanesa?

Every day, we strive to exceed our member’s expectations and support them when they need it most. We have many long-term members and are grateful for their loyalty.

How does Wawanesa give back to the community?

As our company has grown, so has our commitment to giving back. Our community impact program gives back to local and national partner organizations throughout the United States. Our program is rooted in Wawanesa's purpose to look after one another and exemplifies our vision of building a safer, healthier, and more sustainable future for our members and communities. Learn more about our community impact program.

We strive to set an example for excellence in corporate philanthropy and be a positive force in the communities we live and work.

What are Wawanesa’s values?

We are here to look after one another. For us, this includes our members, our employees, and our communities. Our values guide us in all we do:

Service - we strive for exceptional service delivered with empathy.
Openness - we build trust by being inclusive, supportive and straightforward.
Fairness - in good times and bad, we do right by people.
Collaboration - working as one team, we respect what everyone brings to the table.
Community - supporting our communities is the essence of who we are.

Auto Insurance Policies and Coverage

What discounts are available?

Wawanesa offers several discounts that could save you money on your policy. To find out more, please check out our auto insurance discounts.

Does Wawanesa offer roadside assistance coverage?

Yes, Roadside Assistance is an optional coverage you can add to your policy for extra peace of mind. Learn more about our roadside assistance coverage.

Does Wawanesa offer rental car coverage?

Yes, rental car coverage is optional coverage that is available on all vehicles insured by Wawanesa with either comprehensive or collision coverage.

If I rent a car, does my Wawanesa policy cover me?

If you rent a private passenger car, light van or pick-up, in Canada, the U.S. or its possessions or territories, you are covered by your Wawanesa auto insurance policy.

If you carry rental expense coverage and need to rent a vehicle because your covered auto is either disabled or being serviced as a result of a covered claim, your policy will cover the rental vehicle.
If you rent a vehicle for any reason other than disablement or servicing, it will have the broadest coverage we currently provide for any vehicle shown on your policy declaration page.

Does my policy cover me if I drive in Mexico?

No, your Wawanesa policy does not cover you if you drive in Mexico. Please note that Mexican law requires you to buy a tourist auto insurance policy to legally drive in the country.

I was responsible for causing an accident. Will my rates go up?

It depends on multiple factors, including the amount of damages incurred and if there were any injuries involved.

However, if you're found to be 51% or more responsible for the accident and there is more than $1,000 in total resulting damages, or someone was injured or killed, you are considered at-fault in the accident and your premium will increase at your next policy renewal.

How long does an at-fault accident and/or a traffic conviction surcharge remain on my policy?

A surcharge for an at-fault accident and/or a traffic conviction remains on your policy for 3 years, starting from the first renewal after the accident and/or conviction date.

A rock hit my windshield. If I put in a claim will my car insurance premium go up?

No, your insurance premium will not increase due to any comprehensive coverage-related claims.

Auto Insurance Payments

What are my payment options?

Wawanesa Insurance offers various payment plans that vary depending on the type of policy. Learn more about our payment plans and payment options.

How can I make a payment?

You can pay your insurance premium easily by logging into or setting up your online account.
Or you can mail a check, payable to:

Wawanesa General Insurance Company
P.O. Box 85048
San Diego, CA
92186-5048

What happens if my payment is late?

You can avoid a lapse in coverage if you pay in full within 30 days of the payment due date. If you make a payment after 30 days, your policy will be subject to new terms and conditions.

Is there a fee to cancel my car insurance policy?

Yes. There’s a $50 cancellation fee if you cancel within 60 days of your policy’s start date.

Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Auto Insurance FAQs

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.