CAA Insurance Quotes Reviews & Ratings

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CAA Car Insurance
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The Canadian Auto Association has a strong history of more than 110 years in Canada. CAA is a federation consisting of 9 clubs and serves more than 6.2 million clients. It is the largest Canadian Automobile Association and supports its members on issues related to infrastructure, mobility, road safety and consumer rights.

CAA Insurance offers home and auto insurance, roadside assistance, travel insurance and travel services to members in South Central Ontario. The head office is located in Toronto, Ontario and there are more than 100 offices spread out across Canada. The CAA Insurance Company underwrites the car insurance policies.

CAA Car Insurance Market Share Review

Market Share

CAA Car Insurance  Market ShareQuarterYear
1.33%Q32016
1.27%Q12016
1.27%Q32015
1.34%Q12015
1.34%Q32014
2.62%Q32013
1.23%Q42012
1.10%Q22011
1.05%Q32010
1.05%Q22010
2.16%Q12010

 

2010-2011 Market Share Review

CAA did not have any rate filings for the 4th quarter of 2010. The market share was 2.16% in 1st quarter of 2010. This declined to 1.05% in the 2nd quarter of 2010. The market share stayed stable at 1.05% in the 3rd quarter of 2010. CAA did not have rate filings for the 1st, 3rd and 4th quarters of 2011. The market share was 1.10% in the 2nd quarter of 2010.

2012-2013 Market Share Review

There were no rate filings done for the 1st, 2nd and 3rd quarters of 2012. CAA market share marginally increased to 1.23% in the 4th quarter of 2012. They did not file for rate changes in the 1st, 2nd and 4th quarters of 2013. The market share increased to 2.62% in the 3rd quarter of 2013.

2014-2016 Market Share Review

CAA did not file for rate changes in the 1st, 2nd and 4th quarters of 2014. The market share dropped to 1.34% in the 3rd quarter of 2014. This stayed stable at the same rate in the 1st quarter of 2015. They did not file for rate changes in the 2nd and 4th quarters of 2015. There was no rate filing done for the 2nd quarter of 2016. The market share marginally increased to 1.33% in the 3rd quarter of 2016.

CAA Car Insurance Rate Changes Review

QuarterYearCAA Car Insurance Rate Change Approved %
Q32016-3.81%
Q12016-7.76%
Q320150.00%
Q12015-0.92%
Q32014-0.03%
Q32013-7.93%
Q42012-0.99%
Q220113.39%
Q320102.74%
Q22010-0.64%
Q12010-0.04%

 

2010 – 2011 Rate Change Review

The rate change approved for the 1st quarter of 2010 decreased to 0.04%. There was a marginal increase to 0.64% in the 2nd quarter of 2010. The rate change approved had a good increase of 2.74% in the 3rd quarter of 2010. The CAA did not file for rate change approvals in the 4th quarter of 2010. They did not file for rate change approvals in the 1st, 3rd and 4th quarters of 2011.

2012 – 2014 Rate Change Review

The rate changes filed for approval marginally decreased by 0.99% in the 4th quarter of 2012. CAA did not file for rate change approvals in the 1st, 2nd and 3rd quarters of 2012. The 3rd quarter of 2013 saw a huge decrease of 7.93% in the rate changes approved. There were no filings for rate changes in the 1st, 2nd and 4th quarters of 2013. They did not file for rate changes in the 1st, 2nd and 4th quarters of 2014. The rate changes approved marginally decreased by 0.03% in the 3rd quarter of 2014. In that quarter around 9 insurance companies had filed for rate change approval. They represented about 26.65% of the insurance market.

2015 – 2016 Rate Change Review

CAA did not file for any rate change approvals in the 2nd and 4th quarters of 2015. Around 39 insurance companies filed for a rate change approval with the FSCO in the 1st quarter of 2015. They were representing almost 73.48% of the insurance industry. There were no rate changes in the 3rd quarter of 2015. That quarter saw 40 insurance companies filing for rate change approvals with FSCO. They represented about 77.45% of the industry. The rate change approved in the 1st quarter was a marginal decreased of 0.92%.

CAA did not file for rate changes in the 2nd quarter of 2016. There is no data for the last quarter of 2016 yet. In the 1st quarter of 2016, around 50 insurers representing 83.36% of the industry filed for a rate change approval. CAA rate changes approved for that quarter was a big decrease of 7.76%. In the 3rd quarter of 2016, the rate change approved had a decrease of 3.81%. That quarter saw about 25 insurance companies filing for a rate change approval with FSCO. They represented 63.56% of the market.

CAA Car Insurance Quotes Review For the Same Car and Driver Profile Across Selected Cities

CityCAA Car Insurance Quotes*
Toronto$4,440
Ottawa$2,610
Mississauga$3,860
Hamilton$3,530
London$2,620
Markham$4,020
Vaughan$4,020
Windsor$2,870
Sudbury$1,950
Burlington$2,400
Oshawa$2,320
Guelph$2,500
Barrie$2,210

 

CAA Auto Insurance Discounts

It is possible to obtain discounts for car insurance policies with CAA Insurance.

  • You may bundle home and car insurance to get a 5% discount on your car insurance. This will also qualify you to get CAA Tire coverage on a complimentary basis. So, you can get coverage for any repairs or replacements of your damaged tires.
  • When you become a CAA member you can save up to 30% on your car insurance policy.
  • If you install winter tires for your vehicle then CAA Insurance will give you a 5% discount.
  • In case you drive a hybrid car that could also get you a discount of 5%.
  • As a CAA connect member you could get for up to 15% after a year. If you are also a CAA member that discount could increase to up to 30%. CAA connect is based on usage and your good driving habits on the road that gets monitored with telematics device. To qualify you have to meet certain conditions. These include reduced annual mileage of up to 12,000 km each year. No over speeding and avoid driving between 12 midnight and 4 in the morning. You may login to your CAA Connect account online too.
  • Multiple vehicle discounts may apply if you insure more vehicles with CAA Insurance.
  • There are discounts offered if you drive safe and have no convictions on your record.

Optional Coverage You May Consider Buying With CAA Insurance

CAA Insurance offers mandatory coverage for car insurance in Ontario. The standard coverage includes liability, accident benefits, DC-PD and uninsured benefits. The following are some of the optional coverage you may get for your auto policy for more protection. There are also options to increase your coverage limits or deductibles.

Collision or Upset: This coverage will help you to claim for damages due to a collision.

Comprehensive: You can claim for any damages to your car not related to collisions. Examples may include fire, theft, vandalism etc.

Forget & Forget Plan: The coverage helps to protect your conviction-free record and retain your clean driving record.

Endorsement 20: You may add this special endorsement on your policy. You can use this coverage to claim for alternative transportation. When you have this endorsement added to your auto policy, you may claim for a replacement car. You can claim for the expenses of your replacement car when your insured car is damaged in a collision. The coverage limit is up to$900.

CAA  Car Insurance Cancellation Policy

You may contact on 1877-222-1717 to cancel your car insurance policy. This can be done during the term of the policy or at renewal. Based on your insurance situation, the cancellation terms and conditions will apply to your refund. The refund is calculated on a short rate basis and will be paid to you on a priority basis. This also means that any handling fee for administration purposes will be deducted from your refund if any.

Making CAA Car Insurance Claim

To make a claim with CAA Insurance you may call on 1-800-387-2656 anytime and any day throughout the year. The CAA loss adjuster will usually answer all your questions on your first call and let you know of the vehicle inspection.

There is also an option to submit your claim online electronically. An email confirmation will be sent you on submission. You can expect a response by the next business day.

How Can I Get CAA Insurance Car Insurance Quote

You can ask for a quote online on the website. Or you may call 1‑877‑GO TO CAA (468‑6222). You may also call an insurance specialist at 1-888-250-1890.

Contact Methods For CAA Insurance

Call: You can call on 1877-222-1717 to reach CAA Insurance.

Email: You may send an email using the online form on the CAA website.


*Methodology

We surveyed CAA car insurance Quotes in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Honda Civic 2012 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, please visit CAA car insurance quotation page.


Disclaimer

We are not affiliated and make no representations or warranties, recommendations or endorsements of CAA Insurance. This article is our review of CAA Insurance for information purposes only.  The logos, trademarks, and copyrights mentioned in this article belong to the CAA Insurance.


References:

https://www.fsco.gov.on.ca/en/auto/rates/pages/default.aspx

https://www.caasco.com/Insurance/Auto-Insurance

https://www.caasco.com/OM/insurance/auto-insurance/savings.aspx

https://www.caasco.com/Login.aspx?redirect=1


 

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