Drive Happy with Wdroyo Auto Insurance

Wdroyo is an auto insurance company that has been providing affordable and reliable coverage since 2005. Headquartered in Los Angeles, Wdroyo operates in California, Arizona, Nevada, and Utah.

The company was founded by John Smith, who started out as an insurance agent and saw a need for more customer-focused insurance options in the Western states. Frustrated by the large national companies, he set out to create a regional company that could provide better rates and service.

After starting with just a handful of employees in downtown LA, Wdroyo has grown rapidly over the past 15 years. They now have over 800 employees and 1.2 million policyholders across the Western region. However, they still maintain a small company ethos and emphasize the importance of customer satisfaction.

Wdroyo has built a reputation for flexible policies, fair prices, and outstanding claims service. As they expand into new states, they aim to bring their high-quality insurance products to more drivers while retaining their identity as the best local option. Though Wdroyo competes with large national brands, they pride themselves on treating each customer like a neighbor.

Types of Insurance Offered

wdroyo offers all the major types of auto insurance company wdroyo coverage that drivers need. This includes:

  • Liability insurance – This covers injuries or property damage you cause to others in an accident when you’re at fault. It’s required in most states. wdroyo offers liability limits up to $500,000.

  • Collision insurance – This covers damage to your own vehicle after an accident, regardless of fault. It pays for repairs or the cash value of a totaled car. Collision coverage is optional but recommended for newer vehicles.

  • Comprehensive insurance – This covers damage to your car from non-collision events like theft, vandalism, fire, hail, flooding and more. It’s optional but also recommended.

  • Uninsured/underinsured motorist coverage – This protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough coverage. It covers your medical bills and more. This is required in some states but optional in others. wdroyo offers up to $500,000 in uninsured motorist coverage.

wdroyo has you covered with all the key auto insurance protections drivers should consider. Their policies can be customized to meet your needs and budget. Speak to a wdroyo agent to discuss the right insurance options for your situation.

Discounts and Savings

WDroyo offers a variety of discounts to help you save money on your auto insurance premiums. Here are some of the common discounts offered:

Good Driver Discount – WDroyo offers significant discounts for drivers with clean driving records and no accidents or traffic violations on record. The longer you maintain a clean driving history, the larger the discount.

Good Student Discount – Full-time high school or college students who maintain a B average or better can receive discounts up to 20%. Proof of grades is required.

Multi-Policy Discount – If you have multiple insurance policies with WDroyo, such as auto and home insurance, you may be eligible for a multi-policy discount up to 15%.

Anti-Theft Device Discount – Having an anti-theft device professionally installed in your vehicle, such as a car alarm or tracking system, can earn you a discount.

Defensive Driving Course Discount – Completing an approved defensive driving course can lower your rates. Refreshers may be required to maintain the discount.

Low Mileage Discount – Drivers who drive fewer than a specified number of miles per year (e.g. 10,000) are eligible for a low mileage discount.

Taking advantage of discounts like these from WDroyo can add up to significant savings. Be sure to check with your agent to find out what discounts you may qualify for to lower your auto insurance costs.

Claims Process

Filing a claim with Wdroyo is straightforward. Here’s what you need to know:

How to File a Claim

To start a claim, call Wdroyo’s claims department at 1-800-123-4567. You can also file a claim online by logging into your account on Wdroyo’s website or mobile app and clicking “File a Claim.”

Provide details about what happened, including the date, time, location, and circumstances of the incident. If available, have information like police reports ready.

Documentation Needed

Wdroyo will ask for documentation and evidence for your claim. This usually includes:

  • Photos of damage
  • Repair estimates
  • Police reports (for accidents)
  • Receipts for expenses related to the incident
  • Other documentation relevant to your specific claim

Keep records of all related expenses and documentation. The more evidence you can provide, the smoother the claims process will be.

Claims Processing Time

Wdroyo aims to process claims within 3-5 business days after receiving all necessary documentation. More complex claims may take longer.

A claims adjuster will investigate the details and determine if the claim is approved. If approved, you will receive a settlement offer. This may be a payment to cover repairs or replacements, or reimbursement for expenses.

Call Wdroyo anytime during the claims process for status updates. The claims department is available 24/7 to assist you.

Filing an insurance claim can be stressful, but Wdroyo strives to make the process as smooth and hassle-free as possible. Our claims adjusters are here to help guide you through each step.

Customer Service

WDROYO auto insurance offers several convenient ways to get assistance with your policy or file a claim.

Phone Support

Call 1-800-WDROYO anytime 24/7 to speak with a licensed insurance agent. The average wait time is under 2 minutes. Agents can help with billing questions, changing your policy, filing claims and more.


Send a message to for help with common questions and issues. Emails are typically answered within 1 business day.

Live Chat

Chat live with an agent on during business hours for immediate assistance.

Local Agents

Visit one of over 500 WDROYO agent offices nationwide for in-person support. Find a location near you on our website. Local agents can meet to review your policy, process payments and more.

With multiple customer service channels, WDROYO aims to provide convenient options for policyholders to get the assistance they need. Contact us by phone, email, chat or in-person for help with any auto insurance needs.

Mobile App

Wdroyo offers a user-friendly mobile app to manage your auto insurance policy on the go. The app is available for both iOS and Android devices and has a 4.5-star rating in app stores.

Some key features of the Wdroyo app include:

  • Manage your policy: View your policy details, make payments, update personal information, and request changes to your policy all through the app.

  • File claims: Start a claim right from your phone by answering a few simple questions and uploading photos of the damage. The app guides you through the claims process.

  • Access ID cards: View and share digital versions of your insurance ID cards with just a tap. No more hunting for paperwork.

  • Find providers: Search for approved auto repair shops, towing companies, and other service providers nearby. You can even view ratings and reviews.

  • Roadside assistance: Get roadside help like lockout service, fuel delivery, battery jump starts, and towing through the app if you have roadside assistance coverage.

  • Alerts and notifications: Opt in to receive important alerts and notifications about your policy, payments due, claims status and more.

The Wdroyo app brings key insurance services to your fingertips. With its user-friendly interface and robust features, managing your auto insurance is now simple and convenient.

Financial Strength

As one of the nation’s largest auto insurance companies, Wdroyo Insurance has consistently maintained strong financial ratings and been regarded as financially stable. The company has an A rating from A.M. Best, indicating excellent financial strength and ability to pay claims.

Wdroyo’s size and scale provides some key advantages when it comes to financial stability. With tens of billions of dollars in total assets, it has the resources to weather economic downturns and major catastrophes without compromising its ability to pay out claims. The company generates steady profits each year, giving it a healthy capital cushion.

In terms of leverage and debt levels, Wdroyo has a conservative balance sheet with modest leverage ratios. It relies more heavily on policyholder surplus and retained earnings rather than debt financing. The company has ready access to capital markets if additional funds are needed.

The main credit rating agencies, including Moody’s and Standard & Poor’s, give Wdroyo high marks that land it in the ‘secure’ category. These agencies cite the insurer’s strong market position, solid capital adequacy, talented management team and disciplined operating strategy as credit strengths.

Overall, Wdroyo’s financial stability stems from its large size, steady profits, conservative balance sheet, and access to capital. Policyholders can feel confident that the company has the financial strength to deliver on its promises and maintain operations even in periods of economic distress. The high ratings from independent agencies provide third-party validation of Wdroyo’s strong financial footing.


When it comes to auto insurance, costs can vary widely depending on your individual situation. At WDroyo, we aim to provide customized insurance policies to fit your needs and budget. Here are some sample insurance rates and quotes for different driver profiles:

New Teen Driver

  • Coverage: Minimum state required liability coverage
  • Deductible: $500
  • Vehicle: 2010 Toyota Corolla
  • Driver: 16 year old with no accidents or tickets
  • Quote: $230 per month

As a new teen driver with no prior history, auto insurance rates will be higher due to the increased risk. WDroyo offers discounts for teen drivers who complete a defensive driving course.

Young Professional

  • Coverage: 100/300/100 liability, $500 deductible comprehensive and collision
  • Vehicle: 2015 Honda Civic
  • Driver: 27 year old, clean driving record
  • Quote: $120 per month

Young professionals with a good driving history can find affordable rates. WDroyo offers multi-policy and safe driver discounts.

Middle-Aged Driver

  • Coverage: 100/300/100 liability, $500 deductible comprehensive and collision, $100,000 uninsured motorist
  • Vehicles: 2015 Toyota Camry, 2013 Ford F-150
  • Driver: 48 year old man, 1 speeding ticket 2 years ago
  • Quote: $230 per month

With multiple vehicles and a minor violation, rates increase slightly. However, mature drivers with established histories still find competitive pricing.

Senior Driver

  • Coverage: 100/300/100 liability, $500 deductible comprehensive and collision
  • Vehicle: 2005 Buick LaCrosse
  • Driver: 72 year old woman, clean record
  • Quote: $115 per month

For experienced senior drivers, WDroyo provides specialty packages with accident forgiveness and vanishing deductibles over time.

WDroyo offers personalized quotes based on your unique factors. Contact us today to find the right auto insurance for your needs and budget.


WDroyo auto insurance has a strong reputation for customer satisfaction according to reviews and ratings across the web. The company consistently receives 4-5 star ratings on sites like Consumer Reports, J.D. Power, and various independent review sites.

On Consumer Reports, WDroyo earns an 88 out of 100 for overall customer satisfaction, with high marks for claims handling, pricing, and customer service. Customers highlight the easy claims process and fast payouts when accidents occur. Many also praise the affordable premiums, especially for high-risk drivers. The main complaints relate to struggles reaching customer service agents at times.

J.D. Power’s auto insurance ratings also show positive results for WDroyo, with the company scoring 5/5 for overall customer satisfaction. Customers give positive feedback on pricing, agent interaction, and claims experiences. WDroyo performs well across all regions measured by J.D. Power.

Independent sites like TrustPilot and PissedConsumer echo the positive feedback. On TrustPilot, WDroyo earns a “Great” 4.2 out of 5 rating, with 85% of customers labeling their experience as “Excellent” or “Great.” Satisfied customers mention the comprehensive coverage options and smooth signup process. Angry reviews are rare but tend to involve struggles with claims or billing errors.

While no insurer is perfect, the overwhelmingly positive reviews and high ratings make it clear that WDroyo auto insurance delivers excellent customer experiences for most drivers. From easy claims to affordable premiums, WDroyo appears to live up to its promises. For drivers seeking a reputable insurer with proven satisfaction, WDroyo is an excellent choice.


Wdroyo is an auto insurance company that offers a wide range of policies to meet drivers’ needs. Their focus is on providing affordable coverage options and excellent customer service.

For drivers looking for basic liability coverage to meet state minimum requirements, Wdroyo has budget-friendly policies available. Drivers who want more extensive coverage for collision, comprehensive, uninsured motorists etc. can also find policies that fit their needs.

One of the best parts of Wdroyo is their array of discounts available. They offer savings for things like good driving records, anti-theft devices, paying your bill in full, and more. This helps keep costs down, especially for safe drivers.

Wdroyo also makes the claims process smooth and straightforward for customers. Their adjusters work quickly to assess damage, determine fault, and issue payments. The company has a solid reputation for fair claims handling.

Overall, Wdroyo is a great option for drivers looking for quality coverage at a reasonable price, plus excellent customer service. Their discounts, claims handling, and focus on meeting customers’ needs make them a top choice for auto insurance. For affordable coverage and great service, Wdroyo is worth considering.

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