My auto insurance renews today. I've been a customer of Wawanesa Insurance for almost 10 years. I know, you're thinking to yourself, Wawa-who? They are a direct writer of insurance and if you live in California or Oregon and have a clean driving record, listen up! Because this, I can *almost* guarantee you, will save you bucks. Lots of them.
The first time we purchased a joint auto insurance policy after I married my ex-husband, we went through a broker. I think this is probably pretty typical. I forget which company we ended up with, but after a couple years, my sister-in-law suggested we call her insurance company: Wawanesa. We had never heard of them, so we were reluctant to call them. But finally we did and got a quote that at the time was *significantly* less expensive than the renewal quote we had received from our broker. He asked us, "Are you sure it's for a year's coverage?" Which it was. In fact, it states that fact very clearly on it, because I assume it's a common question. He reviewed our quote from them and said, "Looks legit..." so we switched and have never looked back.
Some auto insurance basics: The minimum required by California is $15K of bodily injury liability for a single person, $30K bodily injury liability max per incident and $5K of property damage liability. The minimums are really quite paltry. Can you imagine having even a fender bender with some of these $50K cars out there on the road with only minimum coverage? Yikes! That $5K would barely cover a bumper!!
Back to the present: I had some changes that I started making last week to my policy (address, deleting a car/driver) so I had not received my quote yet. I called Wawanesa and went through a few voice mail menus and reached a real live person within a couple minutes. This, by the way, is pretty typical. You will often reach a live person within just a minute or two. Anyway, she looked up my account and gave me the quote over the phone. The total for a year of coverage? $763!!
Pretty damn good. And that's with much more than the minimum coverages in place. I am 32 years old, female and have a 1998 Honda Civic and for my $763, here's what I was getting:
- $100K bodily injury liability for a single person
- $300K bodily injury liability max per incident
- $100K property damage liability
- Comprehensive with $300 deductible - covers theft & other stuff that happens unrelated to accidents
- Collision with $500 deductible - Accidents and such
- Un/Under-insured Motorist coverage (& bodily injury) - Everyone should have this!
- Rental Reimbursement ($25 per day/$750 max)
- Towing & Labor ($50 per incident)
Service: You might be pretty doubtful, thinking to yourself, this is too good to be true! Well, it *is* true. And I've had excellent customer service from them. I've had someone hit one of our cars and it required body work. I've also had a car stolen while with them. Both experiences were painless. The person always called, they sent the checks, and they were more than fair with the amount paid out for the stolen car. Most importantly, it's always been pretty easy to get a live person on the phone.
Bottom line: If you don't have any tickets on your driving record, call them at (800) 640-2920. Or apply for a quote online. Either way, it will probably only take about five minutes. Do it!
I'm not 100% sure, but I'm pretty sure that you can cancel an auto policy at any time and receive a refund in any paid premiums. Don't wait another six months to start saving money. Call them or go online today.
If you do give it a shot, please post a comment and let me know what you thought.