That's the one caveat of Wawanesa...they keep their rates low by only taking on drivers with clean records (though I had one ticket when I started with them).

I'd call them. Results on the phone are not always the same as online. Their customer service is tops. Check out the posts in the Bay Area forum about them.

 

i have esurance in pa paperwork was a pain but toher then that cheapest rates i found
all insurance companies suck, they all screw you in the end
but anyway overall alright experiance so far

 

USAA is definitely the best if you can get it. The whole philosophy is different as they are a member organization and not a bunch of profit hungry assholes.

Yes, their rates are generally higher. You do get service, though. I had 2 not-at-faults and the other company low-balled. USAA stepped in and gave full value when they didn't have to (they do subrogate it so they don't take the loss).

Also, they won't drop you unless you are totally reckless, such as having a DUI or plowing into a school bus and killing a bunch of kids.

 

Have had State Farm for a number of years for house and car. All claims have been handled in a very professional manner.

 

wawanesa is only for California & Oregon residents. i had wawanesa for YEARS before moving out and i think they're great - the rates are very competitive and service is awesome.