About CAA Auto Insurance
CAA knows a thing or two about taking care of drivers. After all, CAA has been doing it for over 120 years. That’s why so many Canadians trust CAA1 Insurance for comprehensive coverage, outstanding claims services and competitive rates. Let a licensed CAA Insurance5 Agent review your current policy to help you determine if you have the right coverage for you and are getting the savings you’ve earned from your years of safe driving.
Ways To Save
Depending on where you live, you may have access to these ways to save on your auto insurance:
Reap the rewards from your years of safe driving. Enjoy savings based on your great driving history.
Bundle your Auto and Home Insurance through CAA5 to save even more. You’ll get complimentary CAA Tire Coverage1.
Depending on your province, you can save up to 5%3 for driving with designated winter tires.
Are you a low-mileage driver? Save with CAA’s pay-as-you-go auto insurance payment program. On average, this program saves policyholders 50% compared to traditional auto insurance.
While you don’t have to be a CAA Member to get Auto and Home Insurance through CAA5, Members can save up to 20%4 on their auto insurance, so it pays to join.
Product Features
- In Canada, all provinces have mandatory insurance requirements.
- However, insurance legislation and coverage levels do vary by province.
- Depending on where you live, CAA Insurance5 may be able to offer a tailored car insurance solution with optional insurance coverages.
- You may also be eligible for claim forgiveness benefits which prevents your driving record and rate from changing as a result of your first at-fault accident.
- Driving less? You may be able to reduce your insurance costs without changing your driving habits with CAA MyPace – Canada’s first pay-as-you-go auto insurance payment program. How it works is simple:
- Enroll in CAA MyPace and pay your base rate plus your first 1,000 kilometres.
- Install the CAA MyPace device in your car.
- Download the CAA MyPace App to your smartphone. You can monitor your usage at any time by logging in to your CAA Account online and/or via the CAA MyPace mobile app.
- Drive. We’ll automatically reload your next 1,000 kilometres for you.
- CAA MyPace has helped Canadians save an average of 50% compared to traditional auto insurance. It’s available in Ontario, Nova Scotia, New Brunswick and P.E.I.
- From Alberta? Try AMA MyPace – Alberta’s first pay-as-you-go insurance!
- AMA MyPace is a distance-based insurance product ideal for vehicles driven less than 9,000 km per year. Sign up and start saving!
- The driving distance is recorded by an on-board diagnostic (OBD) device that easily plugs into a port in your vehicle. You can keep an eye on how far the vehicle has been driven each month in the AMA MyPace app. You’ll be billed monthly based on the distance driven in the previous month.
- Your monthly insurance bill will be made up of two parts. You’ll pay a base cost for the coverage you need even when your car is parked like hail damage and theft. Then you’ll have a per/km rate for the coverage you need while the vehicle is being driven.
- Your kilometres will be capped at 300km/day, so if you take an annual road trip or suddenly need to make a longer-than-usual drive, you don’t have to sweat a giant leap in your bill.
- CAA Connect® is a usage-based insurance program that uses your driving habits to help you save.
- Drive safely, and you could save up to 15%(superscript 5) on your CAA Auto Insurance premium after one year! Available in Ontario.
- Using CAA Connect is simple. Just plug the device into your vehicle’s OBD-II port and call in to activate the device.
- CAA Connect will then begin wirelessly transmitting your driving information to a secure server, which you can review from the CAA Connect website.
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Terms and Conditions
1Auto Insurance is underwritten by CAA Insurance Company (except in Alberta, British Columbia and Quebec). BCAA Optional Car Insurance and Autoplan are sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency. BCAA Optional Car Insurance is underwritten by CAA Insurance Company and Autoplan is underwritten by the Insurance Corporation of British Columbia. Not all products are available in all provinces. In Alberta, auto insurance is sold by AMA Insurance. Auto insurance sold by AMA Insurance is largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply
2Auto & Property Insurance and CAA Tire Coverage are underwritten by CAA Insurance Company (except in Alberta, British Columbia and Quebec). Auto and property insurance sold by AMA Insurance are largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply). Tire coverage is not offered in Alberta. Not all products are available in all provinces.
3Underwriting rules apply. Rating applied to vehicles with four (4) winter tires that meet the winter tire designation. Installation no later than November 20 and removed no earlier than April 15. Note: The installation requirement dates do not apply to the winter tire discount provided by AMAIC in Alberta.
4To qualify for the discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Subject to certain conditions and approvals. Underwriting eligibility rules apply.
5Maximum discount while enrolled in the CAA Connect program is 15% on renewal after one year. This condition does not apply to AMA MyRide.
Vehicle compatibility and enrollment in CAA MyPace® payment program is subject to terms and conditions. AMA MyPace is sold by AMA Insurance. AMA Insurance is a trade name of AMA Agencies Ltd. o/a AMA Insurance Agency. AMA MyPace policies are underwritten by Alberta Motor Association Insurance Company. All polices are subject to various terms, conditions, limitations, and exclusions that may serve to limit coverage. In the event of a discrepancy between the above and the terms of your policy, the terms of your policy will prevail.
Not all products are available in all provinces. Certain conditions, limitations and underwriting guidelines apply.
Click here to see a list of underwriters covering various CAA Insurance products.