These reviews scare me :-( http://www.yelp.com/biz/wawanesa-auto-insurance-san-diego
DH and I just signed up for them because they would save us $500 a year on car insurance and give us more coverage and lower deductibles. I think they are a low risk company because a long time ago when I tried applying they would not accept me. I'm surprised they accepted us actually when I got a ticket in August last year but I did take traffic school for it. We sent in our application and check for our first payment and the check was cashed so I assume we were approved. I'm going to call on my lunch and double check or else be like give me my money back lol I have only had one experience with them when they were the insurance of a woman that rear ended DH and I and had no problems. It does sound like if you got a ticket or in an accident, especially if you're at fault, that they would drop you. DH and I are pretty good drivers though and I figure it's worth the savings and if something..