American Family vs Wawanesa Mutual Car Insurance for 2023

When it comes to choosing a car insurance company, it can be difficult to know where to start. With so many options available, it’s important to compare different companies and policies to find the best fit for your needs.

• American Family has been in business for over 90 years and offers a wide range of insurance products, including car insurance, home insurance, and life insurance.
• Wawanesa Mutual has a reputation for excellent customer service and offers a unique loyalty program for policyholders.
• Both companies offer competitive rates and have a strong financial stability rating.

Two popular options to consider are American Family car insurance and Wawanesa Mutual car insurance. In this article, we’ll take a closer look at both companies and compare their offerings to help you make an informed decision.

Whether you’re a new driver or an experienced motorist, this review will provide you with the information you need to choose the right car insurance policy.

History and Mission

American Family has been in business since 1927, providing insurance coverage for families and businesses. The company is headquartered in Madison, Wisconsin, and operates in 19 states across the United States. Their mission is to inspire, protect, and restore dreams, which they accomplish through their wide range of insurance products, personalized customer service, and community involvement.

Wawanesa Mutual, on the other hand, was founded in 1896 and is based in Winnipeg, Manitoba, Canada. The company began as a mutual insurer for farmers and has since expanded to offer a variety of insurance products, including car insurance. Wawanesa Mutual has a unique approach to insurance, with a focus on providing excellent customer service and building long-term relationships with their policyholders.

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Products and Services

American Family offers a range of coverage options for drivers, including liability coverage, collision coverage, and comprehensive coverage. Liability coverage is required by law in most states and covers damages or injuries you may cause to other people or their property while driving.

Collision coverage is optional but covers the cost of repairs or replacement for your vehicle in the event of a collision with another vehicle or object. Comprehensive coverage is also optional and covers damage to your vehicle caused by things like theft, vandalism, or natural disasters.

Wawanesa Mutual offers similar coverage options for drivers, with a focus on providing comprehensive coverage and excellent customer service. Their standard policies include liability coverage, collision coverage, and comprehensive coverage, as well as emergency roadside assistance and glass coverage.

They also offer optional add-ons like rental car coverage and loss of use coverage, which can help cover the cost of a rental car if your vehicle is in the shop for repairs.

It’s worth noting that both American Family and Wawanesa Mutual offer other insurance products in addition to car insurance. American Family offers a range of insurance options for families and businesses, including home insurance, life insurance, and business insurance.

Wawanesa Mutual also offers home insurance and other personal insurance products, as well as commercial insurance options for businesses.

Cost of Insurance

The cost of car insurance can vary widely depending on a variety of factors, such as your age, driving history, location, and the type of vehicle you drive. However, to give you a general idea of the cost of insurance with these companies, I’ll provide some sample quotes based on a hypothetical 30-year-old driver with a clean driving record who lives in California and drives a 2017 Honda Civic.

It’s worth noting that both American Family and Wawanesa Mutual offer a variety of discounts that can help lower the cost of insurance. Some common discounts include safe driving discounts for drivers with a clean driving record, multi-policy discounts for customers who have multiple insurance policies with the same company, and loyalty discounts for customers who have been insured with the company for a certain number of years. Be sure to ask your insurance company about available discounts to see if you qualify.

Discounts Available: American Family vs Wawanesa

American Family offers a wide range of discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts available:

• Multi-Vehicle Discount: If you insure two or more vehicles with American Family, you can save up to 25% on your premiums.
• Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount of up to 10%.
• Loyalty Discount: If you’ve been insured with American Family for a certain number of years, you may qualify for a loyalty discount of up to 10%.
• Good Student Discount: If you or someone on your policy is a full-time student with good grades, you may qualify for a good student discount of up to 25%.
• Defensive Driving Course Discount: If you complete an approved defensive driving course, you may be eligible for a discount of up to 10%.

Wawanesa Mutual also offers a range of discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts available:

• Multi-Vehicle Discount: If you insure two or more vehicles with Wawanesa Mutual, you can save up to 25% on your premiums.
• Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount of up to 20%.
• Good Driver Discount: If you’ve been licensed for at least 3 years with no at-fault accidents, you may qualify for a good driver discount of up to 20%.
• Loyalty Discount: If you’ve been insured with Wawanesa Mutual for a certain number of years, you may qualify for a loyalty discount of up to 10%.
• Anti-Theft Device Discount: If your vehicle has an anti-theft device installed, you may be eligible for a discount of up to 15%.

It’s important to note that not all discounts are available in all states, and eligibility requirements may vary. Be sure to ask your insurance company about available discounts to see if you qualify.

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FAQs

Here are some frequently asked questions about American Family and Wawanesa Mutual car insurance:

American Family FAQs:

Q: What states does American Family offer car insurance in?

A: American Family offers car insurance in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers roadside assistance as an optional add-on to your car insurance policy.

Q: Can I manage my American Family policy online?

A: Yes, American Family has an online portal where you can manage your policy, view your coverage details, and make payments.

Wawanesa Mutual Car Insurance FAQs:

Q: What states does Wawanesa Mutual offer car insurance in?

A: Wawanesa Mutual offers car insurance in California and Oregon.

Q: How do I file a claim with Wawanesa Mutual?

A: To file a claim with Wawanesa Mutual, you can call their claims hotline at 1-800-640-2920, file online through their website, or contact your local Wawanesa Mutual agent.

Q: Does Wawanesa Mutual offer roadside assistance?

A: Yes, Wawanesa Mutual offers 24/7 roadside assistance for an additional fee. This service includes towing, jump-starts, tire changes, and lockout assistance.

Q: Can I manage my Wawanesa Mutual policy online?

A: Yes, Wawanesa Mutual offers online account management through their website. You can pay your bill, view policy information, and file a claim online.

It’s important to note that policies and features may vary by state and are subject to change. For more information about a specific insurance company or policy, it’s best to contact the company directly.

In Summary: American Family vs Wawanesa

In conclusion, both American Family and Wawanesa Mutual offer solid car insurance options, but there are some key differences between the two.

Ultimately, the decision between American Family and Wawanesa Mutual car insurance will come down to your individual needs and preferences.

We recommend comparing rates and coverage options from multiple providers before making a decision, as this can help ensure that you get the best coverage for your money.

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