Western Assurance Car Insurance Review

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Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

4 minute read

Article Contents

Western Assurance Insurance Review

Founded in 1710, Western Assurance has a long-standing tradition of offering comprehensive home and auto insurance solutions through a network of independent brokers. The company simplifies insurance for customers by providing straightforward coverage options. By combining insurance plans, customers can enjoy savings and the benefits of an AIR MILES reward program, ensuring both protection and value. Western Assurance prides itself on offering competitively priced, easy-to-understand insurance products that cater to the financial constraints of everyday Canadians.

Operating in Ontario, Canada, as part of the RSA Group—one of the world’s leading insurance organizations—Western Assurance delivers top-tier insurance products. Although the company primarily concentrates on auto insurance, it also broadens its portfolio to include various insurance products, such as home policies, condominiums, tenants, rental properties, mobile homes, and boats.

When customers purchase a policy online with Western Assurance, they can expect:

  • Auto insurance policies that are meticulously customized to meet your unique requirements.
  • RSA Group, one of the world’s leading insurance companies, guarantees protection.
  • Strong, quality relationships with customers.

The combination of international support from RSA Group and the customized service offered by local brokers distinguishes Western Assurance as a provider of premier insurance solutions designed to cater to the varied requirements of its clientele.

A Brief Company History

Western Assurance has a long history of providing customers with insurance, dating back to 1710. The company has operated in Canada for 123 years longer than its parent company, RSA. Western Assurance is an insurer with a regional focus, serving only the Ontario province in Canada.

Although Western Assurance is a subsidiary of RSA, one of the largest insurance conglomerates in the world, it uses an entirely different model for selling insurance. That model involves exclusively using independent brokers to reach Ontario customers. The company’s website offers a Find-a-Broker feature to help you find a Western Assurance broker nearby.

Western Assurance currently works with more than 100 independent brokers in Ontario alone. The company focuses on providing high-quality, personalized insurance services to customers who value individual relationships with their local brokers, who, in turn, take the time to understand their specific needs.

Why Choose Western Assurance Car Insurance

As part of the RSA Group, an award-winning global insurance leader, Western Assurance leverages its network of independent brokers to ensure broad access to its insurance offerings for drivers. The company provides a range of personalized insurance plans tailored to various needs. Western Assurance offers a foundational policy for vehicles with optional add-ons for enhanced coverage. Customers benefit from significant savings through discounts on combined home and vehicle policies and the AIR MILES reward program. Western Assurance stands out for its competitive pricing and commitment to offering policy options and coverage that best meet the individual protection needs of its clients.

We can highlight the following features of Western Assurance insurance:

Tailored Auto Insurance Solutions

Western Assurance stands out by offering auto insurance policies that are meticulously customized to meet each customer’s unique requirements. This personalized approach ensures that every policyholder receives coverage that aligns perfectly with their needs and circumstances.

Dedicated Local Service

Through its local network of independent brokers across Ontario, Western Assurance delivers personalized service that builds strong, quality relationships with customers. This business model emphasizes the importance of understanding and meeting the community’s specific needs.

Flexible Payment Options

Recognizing the diverse financial situations of its customers, Western Assurance offers customizable auto insurance protection that includes flexible payment plans, making it easier for policyholders to manage their budgets while enjoying comprehensive coverage.

Guaranteed Protection by RSA Group

As a subsidiary of the RSA Group, one of the world’s leading insurance companies, Western Assurance guarantees unparalleled protection and peace of mind for its policyholders, backed by the strength and stability of a global insurance giant.

Affordable Market-Leading Features

The company prides itself on providing access to advanced policy features that lead the market and all the prices designed to be competitive and attractive to a broad range of customers. This commitment to value ensures that policyholders do not compromise coverage quality for affordability.

Simplified Claims Process with Single Deductible

For policyholders who have bundled their insurance policies, Western Assurance offers the convenience of a single deductible for claims involving two policies. This simplifies the claims process and provides additional financial savings and convenience.

Pros and Cons of Buying Western Assurance Car Insurance

Exploring the details of Western Assurance Car Insurance, we uncover a combination of cutting-edge features and effective solutions tailored for today’s motorists. Here’s a breakdown of the advantages, disadvantages, and other factors to consider when selecting Western Assurance for your car insurance needs. This analysis assesses how closely Western Assurance matches your insurance expectations and priorities.

  1. Customized Auto Insurance: Western Assurance delivers its insurance products solely through a network of local independent brokers, boasting over 100 such partners in Ontario. The company’s auto insurance policies begin with the essential, legally required coverage but can be extensively customized to suit each customer’s unique requirements.
  2. Competitive Pricing: Access to market-leading policy features at affordable rates.
  3. Bundle Discounts: Significant savings and enhanced offerings for customers who combine auto insurance with other Western Assurance products.
  4. RSA Group Reliability: Superior reliability and access to industry-leading products as part of the RSA Group.
  5. Air Miles Rewards: Partnership with the Air Miles Rewards program, adding extra value for loyal customers.
  6. Local and Personal Service: A network of independent brokers in Ontario ensures personalized service and strong customer relationships.
  7. High-Quality Insurance Services: Leveraging RSA Group’s resources to offer comprehensive insurance solutions with various features.
  8. Flexible Payment Plans: Customizable auto insurance protection with flexible payment options.
  9. Wide Range of Property Coverage: Extensive home and personal property insurance options.
  10. Single Deductible Benefits: Single deductible for claims involving two policies, simplifying the process and increasing savings.
  1. Customer Service Issues: Some customers have reported dissatisfaction with their service experiences, citing subpar agent interactions and slow response times.

Western Assurance Auto Insurance Discounts

Here is how you can save on your insurance premiums with Western Assurance:

Bundle Policy Discount

When customers choose Western Assurance for their home, automobile, and other personal property insurance needs, they can consolidate these traditionally separate policies into a single plan. This unified policy offers the convenience of a common expiry date, one payment method, and a single deductible for claims that involve multiple types of coverage in a single event. Opting for these bundled insurance coverages also grants customers access to improved product options and exclusive discounts.

Additional Insurance Services Provided by Western Assurance

Beyond car insurance, Western Assurance extends its services to a variety of property insurance options, catering to different needs:

Competitively priced plans with comprehensive features for homeowners.

Coverage tailored for condo owners, protecting both home and investment.

Essential protection for renters, safeguarding personal property within rented spaces.

Specialized policies designed for the unique needs of rental properties, including guest usage considerations.

Insurance for RVs and mobile homes, covering the vehicle, passengers, and driver.

Customizable policies for all types of personal watercraft, ensuring optimal protection.

Western Assurance, a specialist in auto insurance, extends its offerings to a comprehensive spectrum of insurance services, ensuring market-aligned pricing and exceptional coverage. As part of a global insurance conglomerate, Western Assurance benefits from industry-leading practices and innovations, providing local appeal with personalized service.

How To Submit A Claim With Western Assurance Insurance

Contact by phone

Feel free to contact the team by phone

Western Assurance Website

File a claim by visiting the WA website

RSA Website

File a claim by visiting the RSA website

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