Full coverage auto insurance with Wawanesa includes basic liability, collision insurance, and comprehensive coverage. If you want your own vehicle to be covered, Wawanesa offers some of the best deals on full coverage—but only in certain states.
When you’re on the hunt for car insurance, the biggest decision you have to make is whether to invest in full coverage or stick with basic liability. While following your state’s minimum requirement is certainly the cheapest car insurance
option, it could easily lead to a sticky financial situation. Luckily, most insurance companies—including Wawanesa—offer full coverage car insurance
policies that include collision and comprehensive coverage. However, Wawanesa currently only provides insurance for drivers in California
, so if you’re a Golden State driver, keep reading to find out everything you need to know about a Wawanesa full coverage policy. What does Wawanesa full coverage insurance cover?
Let’s clear this up: “full coverage” isn’t actually one type of insurance coverage. To make it even more confusing, there’s not even an official definition of full coverage
! However, there’s a general consensus among insurance providers who offer “full coverage” and lenders that require it for financing—they’re typically referring to a policy that includes the following three coverages at a minimum: Liability insurance:
Mandated for drivers in almost all US states, this coverage pays for vehicle repairs and medical bills for other drivers if you’re found to be at fault in an accident. Collision insurance:
Wawanesa collision coverage pays—up to your policy limit minus your deductible—to repair or replace your car if damaged in a collision with another vehicle or object. Comprehensive insurance:
Comprehensive coverage pays—up to your policy limit minus your deductible—to repair or replace your vehicle if it was damaged by something other than a collision, like theft, fire, storm, vandalism, or hitting an animal.
With Wawanesa, a full coverage insurance policy includes bodily injury liability coverage
, property damage liability coverage
, collision coverage, and comprehensive coverage. With these, you’d be covered in virtually any situation—from a slight rear-end tap or catastrophic storm damage to an unfortunate at-fault accident. MORE: Wawanesa car and home insurance: Everything you need to know
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Does full coverage really cover everything?
No. Don’t let the name fool you—full coverage car insurance doesn’t truly cover everything. That’s why it’s important to look into additional coverages.
For the most part, car insurance providers and auto lenders refer to “full coverage” as a way to differentiate it from minimum liability. While liability will only cover the other driver, full coverage entitles you to submit claims on your own car. Most lenders require full coverage if you’re financing or leasing a car. Since they technically own the car, they want to make sure their investment is protected with proper coverage.
While Wawanesa keeps it pretty simple, there are a handful of other coverage choices customers can add to their policy for maximum protection. The table below details all of those options for you.
Other types of Wawanesa auto insurance coverage
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| Uninsured motorist coverage from Wawanesa will help pay for medical bills and repairs if the other driver is at fault and they don’t have insurance. |
| Medical payments (MedPay) coverage from Wawanesa helps cover medical bills or related expenses if you or your passengers are injured. This coverage also protects you and your family if you’re injured by a vehicle while walking or riding a bike. |
| Similar to MedPay, PIP coverage helps ease the cost of expenses related to any injuries you, your passengers, or your resident relatives sustain in a car accident. This coverage isn’t required in California, but it’s mandatory for Oregon drivers. |
| Wawanesa’s roadside assistance is a cost-effective add-on coverage that takes care of towing, battery jumpstarts, fuel delivery, tire changes, or locksmith services if your vehicle leaves you in a bind on the road. |
| If you have Wawanesa collision or comprehensive coverage, this add-on coverage helps pay rental car fees while your car is being repaired due to a covered claim. |
Special vehicle equipment coverage | If you’ve modified your car to add any special equipment (e.g. electronic equipment, specialized wheels, engine accessories, or anti-theft equipment), this Wawanesa add-on coverage pays the additional cost if that equipment is damaged in an accident covered by your comprehensive or collision coverage. |
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On top of the types of car insurance coverage above, Wawanesa also offers other types of insurance for customers, including renters insurance, homeowners insurance
, and pet insurance. Is full coverage car insurance from Wawanesa worth it?
Full coverage is almost always worth it, especially for drivers with clean records and good credit. However, it’s also always worth checking out car insurance rates from other companies before you commit to a policy.
No state requires drivers to carry full coverage insurance, but most lenders require you to have full coverage on a financed car
or leased vehicle. Even if you’re the official owner of your vehicle, full coverage can protect you from the devastating cost of a total loss
—unless your car isn’t worth more than the annual cost of full coverage. Benefits of full coverage Wawanesa car insurance
Carrying Wawanesa full coverage car insurance comes with these benefits:
You’ll be eligible to file a claim for a totaled vehicle
You’ll have some peace of mind in high-crime areas or during severe weather events
You’ll fulfill any requirements set by your lender or leasing company
Full coverage is especially worth it if you live in areas where collisions, vandalism, auto theft, or severe weather are common.
Drawbacks to full coverage Wawanesa car insurance
Full coverage does come with a few disadvantages, though:
You’ll pay more than you would with basic liability insurance
Your premiums will increase after a claim
You have to pay a deductible
before collision or comprehensive coverage pays for your bills
If the cost of full coverage has you nervous for your budget, check out car insurance discount options. Wawanesa offers discounts to customers who bundle their homeowners insurance or renters insurance
with their auto policy. You could also earn a discounted rate for things like adding anti-theft features, staying insured with Wawanesa for certain periods of time, and keeping a clean driving record. Does Wawanesa have the best full coverage auto insurance?
While Wawanesa is one of the highest-rated insurers in the places they offer coverage, it’s not necessarily any better than any other provider when it comes to coverage.
So what accounts for that excellent reputation? Cheaper auto insurance rates. Because Wawanesa generally only offers insurance to safe drivers, they can offer cheaper rates for California and Oregon residents than most national and regional companies. That being said, all providers use a different algorithm to determine rates
, so your age, location, credit score, driving record, and gender can all impact the cost of your premiums. For the most part, drivers with clean driving records or just one at-fault accident will find the best deals on full coverage with Wawanesa. That’s no guarantee, though. Other companies like Allstate
, GEICO
, or State Farm
may provide you with cheaper rates on the same coverage depending on your specific profile. Wawanesa is also a standout when it comes to customer satisfaction. In fact, Wawanesa has been J.D. Power’s highest-ranking car insurer in California for the last three years. Since Wawanesa also earns excellent financial stability ratings.
The only way to know for sure if a Wawanesa full coverage policy is your best option is to compare at least three to five quotes from different car insurance companies. You can get a quote on Wawanesa’s website, call an agent, or use a mobile broker to compare real-time insurance rates from multiple companies.
The bottom line
If you live in California or Oregon, Wawanesa offers some of the most affordable car insurance rates on average—especially if you have a relatively clean driving record. Since full coverage lets you submit claims for your own car, the added cost is generally worth it for most drivers.
"Jerry
quoted me a price that saved me almost $4000 a year in California! I definitely recommend Jerry.” —Patricia B.
