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Learn more about CAA Auto Insurance.

The Canadian Auto Association (CAA) is a non-profit federation comprised of nine clubs with branches throughout the country. A CAA membership has long been considered an essential expense for drivers due to its track record of providing reliable and efficient roadside service and it has the numbers prove it: over 6.2 million Canadians are CAA members.

CAA has provided comprehensive auto insurance plans since 1974. Coverage is available for drivers in Ontario, B.C., the Atlantic provinces, Alberta, Saskatchewan, and Quebec.

The CAA advantage.

Discounts

Canada’s own CAA car insurance provides members with a number of ways to save on their auto insurance premiums. Despite discounts and programs varying by club, members can generally expect to save by:

  • Insuring multiple vehicles with CAA (15% savings).
  • Installing snow tires (up to 5% savings on your premium).
  • Completing the CAA Connect program (save up to 15%).
  • Becoming a member (save 20% on your premium).

CAA car insurance offers a number of industry-standard auto insurance discounts along with some unique programs. However, the best way to find out what rates you’ll pay in car insurance is to compare the market online. Compare CAA car insurance quotes online alongside 30+ other insurance companies on LowestRates.ca to make sure you’re securing your best rate. 

Special programs

CAA Connect - CAA rewards its members for being safe drivers through CAA Connect: a totally optional, usage-based insurance program. CAA will provide you with a small device to install in your car to gauge your driving habits. According to CAA, by participating, you could save up to 15% on car insurance after one year.

Forgive & Forget - With the Forgive & Forget plan, your driving record won’t be impacted by your first at-fault accident.

Legal Expense Insurance - Neighbour building a shed on your property? CRA auditing you? When you bundle your home and auto insurance with CAA, complimentary legal expense insurance will be added to your policy. Under the program, you’re guaranteed coverage for all reasonable legal expenses you incur. You’re also entitled to unlimited free legal advice from CAA’s special helpline, open all week, from 8 a.m. to midnight.

Is there an app?

Yes, there is a CAA app available. It not only stores your insurance agent’s information, you can also use the app to call them directly. 

In addition to that, members can request roadside assistance through the app, locate gas stations and get a quote for a new car battery — and have it installed as well. All you have to do is login to the CAA app to access all these features. 

How to submit a claim with CAA

If your vehicle is stolen or damaged and you need to make a car insurance claim with CAA, there are a few steps to follow. 

Since CAA does not have a national office, you’ll need to call your local club using a local CAA phone number to make a car insurance claim. 

After calling that number, a CAA insurance claims agent will assist you. Once you’ve been put in contact with a CAA insurance claims agent, they’ll answer any questions you have about your claim or your policy.. They’re available 24/7, all year-round. Find your club by visiting CAA’s website and following the prompt.

What else does CAA do?

A membership with CAA has long been viewed as an essential item for Canadian drivers because of its ultra-reliable roadside assistance service. CAA also provides property, travel, life, and health and dental insurance.

The organization also advocates for issues that matter to its members: road safety, infrastructure and consumer protection, in particular. Residents of the Prairies and Eastern provinces are also likely familiar with CAA’s annual Worst Roads ranking, in which cyclists, transit riders, and pedestrians are asked for their opinion on which the roads need the most repairs (potholes, congestions, safety concerns or poor road signs are the most commonly cited issues).

Reviews of CAA insurance are available online.

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