CAA Car Insurance Review

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

Updated on March 12, 2025

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

Updated on March 12, 2025

Visit author page

4 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About CAA Car Insurance

CAA (Canadian Auto Association) was founded in 1913, and the company is a federation of eight existing auto clubs. The company is now the largest auto association in Canada, servicing 6.2 million customers.

CAA engages in consumer advocacy, pushing for infrastructure development, consumer rights protection, and road safety. Their main offices are in Toronto, with over a hundred branches across Canada. CAA has expanded to offer travel insurance and travel services.

How CAA’s Customer Reviews Compare to Other Insurance Companies

Insurance
Provider		Company’s
Online Rating
CAA3.0/5
Geico1.3/5
Economical1.6/5
Wawanesa3.1/5
SGI3.0/5
Source: Google Reviews, Trustpilot

CAA Car Insurance Pros & Cons

Below are some main pros and cons of getting car insurance with CAA. These are based on the company’s online reviews.

ProsCons
Competitive PricingRestrictive Policy Clauses
Easy Service and Policy ManagementLimited Coverage for RVs
Non-Profit with Good Reputation
Bundling Discounts
Efficient Claims Handling

What Other Insurance Products Does CAA Offer?

As one of the biggest insurance companies in Canada, CAA offers various types of insurance. CAA provides a full suite of insurance products, including the insurance products below:

CAA’s Property Insurance offers four coverage options: Homeowner Insurance, Condo Insurance, Tenant Insurance, and Cottage Insurance. This type of insurance will ensure home protection and safety for their clients.

Planning a great vacation or trip? With CAA, nothing will interrupt your perfect vacation plans. Emergency travel medical insurance will have your back, and trip cancellation and interruption insurance will protect you from unexpected situations. You can even bundle them with vacation package insurance. CAA also offers flexible add-ons and rider policies, with a product specifically tailored for seniors.

CAA offers tailored life insurance with hundreds of products which perfectly fit their clients’ needs. Furthermore, their Critical illness insurance covers 27 critical illnesses and 17 early-stage conditions so clients can concentrate on their recovery and relieve the financial burden. They also offer regular Health and Dental insurance plans.

CAA is partnering with Pets Plus Us for Pet insurance to follow the trends of new family types. CAA offers Accident coverage plans and an Accident and Illness plan to support pet owners and help them cure their small pals without financial pressure.

CAA Auto Insurance Features That Come Standard

A standard CAA insurance policy protects you from liability, medical bills, and uninsured drivers.

Laws require these three features, and it will help you avoid major bills if you are in an accident. Liability coverage protects the other driver while allowing you to avoid legal fees following a crash, medical coverage will pay for your medical bills and lost income. Finally, uninsured driver coverage will cover you if the other driver does not have insurance and cannot provide you with compensation, as would be done in a typical situation.

Optional CAA Insurance Extras

CAA allows its customers to expand their standard car insurance policy. These features allow their customers to receive additional coverage benefits with the option to customize their insurance to fit their particular needs and situation.

Expanded Limits And Deductible

You can adjust your coverage limits and deductibles with CAA. The ability to adjust these features means you can change your rates and level of coverage. For example, you can save by choosing to have a higher deductible. Conversely, you can pay more on your premiums and receive a higher dollar amount of coverage.

Collision And Upset Coverage

This feature protects your vehicle if you are involved in a crash or roll your vehicle. A collision and upset feature can allow you to avoid having to pay for the cost of repairing or replacing your vehicle.

Comprehensive Coverage

Comprehensive coverage protects your vehicle from damage caused in a crash along with other forms of damage caused by such things as fire, theft, and vandalism. Comprehensive coverage means you can have coverage for common risks that a standard insurance policy does not cover.

Forget & Forgive Plan

This feature allows you to maintain a clean driving record. It will ignore driving convictions and citations, making it a good way to avoid higher premiums.

Endorsement 20

An Endorsement 20 will cover you when you are not driving your personal car. It will provide you coverage while driving a rental vehicle or if you borrow a car.

Save On CAA Premiums With A Discount

CAA has a long history of working hard to provide its customers with affordable insurance. A simple way to save on insurance is with a discount, which can allow you to maintain a high level of coverage while paying lower rates.

Being A CAA Member

CAA does not require you to be a member to secure auto insurance. However, CAA members can save up to thirty percent on their insurance and receive other benefits, such as roadside assistance.

CAA Connect Member

CAA Connect is a program that rewards drivers for maintaining safe driving habits. The program uses a telemetric device, such as a smartphone, to track driving habits, and customers can receive a major discount after having their driving habits tracked for a year.
Customers can receive a discount by:

  • Reducing Their Annual Driving By 12,000 KM Per Year
  • Not Speeding
  • Not Driving Between Midnight And 4 AM

Drivers who are not CAA members can rec

Bundling Home & Auto Insurance

Bundling your home and auto insurance allows you to save up to five percent on your auto insurance. This discount comes with complimentary tire coverage. This feature will help cover the cost of replacing your tires and cover you if you happen to have a puncture.

Winter Tires

Customers can receive a five percent discount for using winter tires. Canadian winters pretty much require drivers to use winter tires, so customers can get a discount for doing something they will do anyway.

Hybrid Discount

Driving a hybrid allows you to receive a five percent discount.

Multi-Vehicle Discount

You can receive a discount for insuring multiple vehicles with you receiving a higher discount for each vehicle you insure with CAA.

Safe Driver Discount

Drivers with a clean driving record and claims history are eligible for a discount.

How To Submit A Claim With CAA Auto Insurance

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

Email

You can contact them at any time 24/7

CAA Contact Page

Contact by phone

Feel free to contact the team by phone

1-877-222-1717

Website

File a claim by visiting the CAA website

Visit Website

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