CAA Car Insurance Review

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

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

Updated March 12, 2024

Visit author page

6 minute read

Article Contents

CAA Insurance Review

CAA, widely recognized for its roadside assistance services, represents much more within the Canadian insurance landscape. Beyond its origins in roadside help, CAA Insurance has evolved into a leading auto and home insurance provider, safeguarding over 200,000 families across Canada. Offering comprehensive coverage options for vehicles and personal property, CAA Insurance caters to a broad spectrum of insurance needs with an array of products, add-ons, and member benefits. Although purchasing CAA Insurance products does not require a CAA Membership, the savings from bundling auto and home policies can effectively offset the cost of membership, highlighting the value and breadth of services CAA offers beyond mere roadside assistance.

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

  • 24/7 claims support, providing you with assistance whenever you need it.
  • Multiple discount options for CAA Members and more that make CAA’s home and auto coverage an affordable option.
  • CAA offers its policyholders an extensive selection of home and auto insurance products.

For more than 100 years, CAA has dedicated itself to ensuring the safety of roads and drivers. CAA car insurance provides various cost-effective coverage options tailored to your requirements. CAA car insurance offers reduced premiums for drivers maintaining a clean driving record. Combining your CAA car insurance with a CAA Membership unlocks the greatest savings.

A Brief Company History

The Canadian Automobile Association (CAA) and CAA Insurance have a rich history dating back to 1903, starting with the Toronto Automobile Club’s advocacy for higher speed limits. Formed in 1913 from the merger of several regional motor clubs, CAA now serves over 6.2 million members across Canada, offering roadside assistance, discounts at various retailers and attractions, and advocating for motorists’ rights and safety. Beyond roadside help, CAA has been instrumental in promoting automotive safety features like seatbelts, lobbying for constructing the Trans-Canada Highway and supporting environmental initiatives.

As a not-for-profit organization headquartered in Ottawa with regional branches nationwide, CAA Insurance has expanded from offering car insurance since the 1930s to become a key advocate for safe driving practices. CAA’s commitment to improving driving and travel conditions in Canada continues to be its core mandate.

Why Choose CAA Car Insurance

Choosing CAA Insurance offers Canadians a wealth of benefits for their coverage needs, backed by a century-long tradition of excellence in insurance and roadside assistance. Here’s why CAA stands out:

Competitive Savings

Bundle auto and home insurance to save up to 22%, with CAA members enjoying up to 20% off car insurance.

Pay-as-You-Drive

With CAA MyPace, you pay only for the distance you drive, which is perfect for low-mileage drivers.

Digital Convenience

Access your insurance digitally with CAA’s Mobile App, offering rewards, exclusive deals, and roadside assistance at your fingertips.

Extensive Coverage Options

CAA provides a wide range of products to meet every need, from home and auto to recreational and antique car insurance.

Digital Proof of Insurance

Easily access your car insurance proof on your smartphone, eliminating the hassle of lost pink slips.

Robust Roadside Assistance

Benefit from reliable assistance across Canada, the USA, and 32 countries, with services tailored to your membership level.

Legal Expense Insurance

Enjoy complimentary legal expense insurance when you bundle your policies, covering reasonable legal costs.

Accessibility for Non-Members

Non-CAA members can easily access CAA’s superior insurance products and get quotes.

Pros and Cons of Buying CAA Car Insurance

CAA stands out in Canada as a reputable and esteemed organization, offering CAA Insurance with competitive pricing, outstanding coverage, and various discounts. The company stands out for its exceptional customer and claims service, offering rewards to drivers with a spotless driving record, a consistent insurance history and those who are CAA members. As a distinguished brand, CAA delivers various services to its members, including automobile, travel, and insurance solutions. Membership grants access to exclusive rewards, perks, and discounts. While CAA Auto Insurance may not always be the most affordable option, its comprehensive coverage and member discounts make it a valuable choice.

  1. Customizable Coverage: Tailor your car insurance with options like rental coverage and choose your coverage levels and deductibles.
  2. Competitive Pricing: CAA’s rates are among the most competitive, offering significant value with the possibility of additional discounts.
  3. Multiple Discounts: Access discounts for bundling insurance, using winter tires, insuring multiple vehicles, and more.
  4. CAA Membership Benefits: Benefit from a discount of up to 20% on insurance, additional advantages such as complimentary roadside assistance and savings on a range of products and services.
  5. Pay-as-You-Drive: With CAA MyPace, you only pay for the distance you drive, which is ideal for low-mileage drivers.
  6. Mobile App Access: Manage your membership, collect rewards, and request roadside assistance with CAA’s Mobile App.
  7. Trusted Brand: Recognized as one of Canada’s most trusted insurance brands.
  8. Digital Insurance Proof: Access and show your car insurance proof via CAA’s digital option.
  9. Comprehensive Roadside Assistance: Benefit from reliable assistance across Canada provided by the CAA Club Group.
  1. Customer Service Concerns: Some users report dissatisfaction with customer service and response times.
  2. Not Always the Cheapest: While offering many discounts, CAA might not be the most budget-friendly option for everyone.
  3. Service Variation by Province: Discounts and services may differ across provinces, with some features like CAA Connect only available in Ontario.

CAA Auto Insurance Discounts

CAA offers a wide range of discount options; here is how customers can save with CAA:

CAA MyPace

Ideal for drivers covering less than 12,000 km annually, offering savings by paying only for the distance driven.

CAA Connect

Save 5% upon enrollment and up to 15% after one year with usage-based insurance that rewards good driving habits.

CAA Member Discounts

Members can save up to 20% on car insurance premiums, enhancing savings and coverage satisfaction.

Forgive and Forget

Shields your insurance premium from the impact of your first at-fault accident, maintaining your good driving record.

Multiple Vehicle Savings

Insuring two or more vehicles on the same policy can reduce rates by up to 15%.

Winter Tire Discount

Installing four winter tires can reduce auto insurance rates by up to 5%, promoting safer driving in winter conditions.

Tire Coverage

Available when bundling auto and home insurance, offering additional protection and savings.

Safe Driver Discount

Additional savings for maintaining a clean driving record and a history free of insurance claims.

CAA Insurance App

CAA Connect is a complimentary driving monitor app for Ontario-based CAA Connect customers. It automatically records your vehicle’s movements, logs trips, and evaluates your driving habits to potentially lower your car insurance costs.

Discounts and Savings

15% savings on car insurance renewals and an additional 5% discount just for enrolling.

Member-exclusive Deals

Earn CAA Dollars® through the app, which can be redeemed for renewing your CAA Membership, making purchases at CAA Stores, and receiving other benefits. Access over 200 exclusive deals with your CAA Membership card, including savings on apparel, dining, technology, hotel stays, and more.

Easy Setup

Simply plug in the in-vehicle device and download the app to enjoy smarter driving and insurance rate rewards.

Trip Logs

Review past trips, monitor your driving score progress, and identify trends to improve your driving habits. Your driving score influences your insurance rates, with higher scores leading to better discounts.

The app operates seamlessly in the background, requiring no active input from the user, and records detailed trip information, including acceleration and braking events.

Additional Insurance Services Provided by CAA

Beyond car insurance, CAA extends its services to property insurance, which encompasses multiple coverages:

CAA Home Insurance offers homeowners and renters robust protection and significant savings opportunities. With personalized policies tailored to individual needs, CAA ensures your home, belongings, and liability are comprehensively covered, whether you own a home or condo or are renting.

  • Tailored Coverage: Receive a customized policy that fits your unique living situation, ensuring your possessions and property are well-protected.
  • Water Damage Protection: Safeguard your home against various types of water damage, including groundwater, overflow, and sewer backup.
  • Service Line Coverage: Cover the costs of repairing damage caused by municipal line issues on your property.
  • Condo Insurance: Protect your condo’s interior, personal belongings, and liability toward others.
  • Savings and Bundles: Save up to 22% by bundling CAA auto and home insurance with additional discounts for seniors, whether claims-free or mortgage-free.
  • Home Equipment Breakdown: Get coverage for repairs to appliances and electronics due to mechanical or electrical breakdowns, excluding wear and tear or design faults.

CAA provides an array of insurance plans tailored to meet the diverse needs of travellers, covering emergency medical situations, trip cancellations, and interruptions. Specialized packages are available for visitors to Canada and vacationers, with options for single and multi-trip insurance. Policies can be extended or topped up for unexpected extended stays.

Provides a range of term life insurance options and guaranteed coverage for critical illnesses, catering to diverse policy requirements.

Delivers standard healthcare coverage to mitigate out-of-pocket expenses for services like vision care, therapy, home care, and nursing. Offers customizable dental and drug coverage, allowing for a “mix and match” approach to suit individual needs, with prepackaged and custom-built plans available.

Offers financial protection against accidental death, applicable worldwide.

How To Submit A Claim With CAA Insurance

Policyholders looking to file a claim for home or car insurance with CAA have several options:

Email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone

Website

File a claim by visiting the CAA website

Commonly Asked Questions About CAA Insurance

Is CAA good for car insurance?

Yes, CAA provides customizable and comprehensive car insurance with competitive rates. Members can enjoy additional discounts, especially when bundling home and car insurance.

Does being a CAA member lower car insurance costs?

CAA members can receive up to a 20% discount on car insurance and other benefits like free roadside assistance and discounts on various purchases.

Is CAA an insurance provider?

CAA is a not-for-profit federation offering insurance and emergency roadside assistance. Membership is not required to purchase insurance, but members benefit from significant discounts.

Is a CAA membership worth it?

Given the variety of services, including roadside assistance, towing, and up to 20% insurance discounts, a CAA membership can offer great value, especially for vehicle owners who opt for CAA’s insurance products.

Does CAA cover rental car insurance?

CAA offers motorcycle insurance, and bundling it with home and auto insurance can lead to greater savings on overall premiums.

Does CAA offer motorcycle insurance?

CAA offers motorcycle insurance, and bundling it with home and auto insurance can lead to greater savings on overall premiums.

Do I get a refund if I cancel my CAA Membership?

CAA memberships come with a 30-day full refund policy. If you cancel within this period, you’ll receive a refund calculated from your annual dues minus any services used during the first 30 days.

How much is a CAA Membership?

Membership options include Basic at $75, Plus $119, and Premier at $149 annually, with each level offering distinct advantages and coverage limits.

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