CAA Insurance answers common questions about auto insurance that will help you spend less, check your coverage and protect your car from theft.

1. What are some ways I can save on my auto insurance?

Review your current policy.

Have your insurance agent or broker review your policy to ensure it fits your needs and identify any potential savings. CAA offers complimentary reviews, even if you’re insured elsewhere.

Make sure your coverage matches your driving habits

Take a moment to think about how much driving you did last year. If it’s on the lower side because you’re retired or working from home, you may be able to save on car insurance with CAA MyPace® in Ontario and Atlantic Canada and AMA MyPace in Alberta, with both offering pay-as-you-go auto insurance for low mileage drivers.

CAA MyPace and AMA MyPace policyholders save an average of 50% over traditional auto insurance.

Bundle your auto and home insurance.

Most insurers offer savings when you have multiple policies with them. You may also receive a multi-vehicle discount when you insure more than one vehicle on the same policy.

Use your club connections.

Belonging to a club, association, union or being a CAA Member can offer you savings. While you don’t have to be a CAA Member to get CAA Auto Insurance1, Members can save up to 20%2 on their auto insurance. So, leverage your affiliations as much as possible.

Look for additional savings.

Ask about discounts if you’re retired, use winter tires or have a safe driving history—all available with CAA Auto Insurance1. You don’t need to wait for renewal to review your policy; it’s best to explore options early. CAA can tailor a solution with optional coverage based on where you live. Coverage requirements may vary by province.

2. How do I know if I have proper insurance coverage?

The best thing to do is to complete a policy review with your insurance agent or broker. This first step helps ensure your policy is optimized for everything from your vehicle type and how much you drive to any benefits you may be eligible to receive. You don’t have to wait until your current auto insurance policy is up for renewal – in fact, it’s best to reach out while you still have time to shop around.

3. How can I protect my car from theft?

Everyone has a part to play in reducing auto theft, including drivers. Simple steps like installing an anti-theft device and building safer habits can significantly reduce your risk.

To lower your chances of theft, take the following steps:

  • Use a steering‑wheel, brake‑pedal or wheel lock
  • Store your key fob in a Faraday pouch to block signal theft
  • Consider a professionally installed engine immobilizer and enable multi‑factor authentication if available
  • Keep doors locked, use your garage when possible and park the less valuable vehicle closer to the street
  • Install driveway cameras or motion sensors
  • Keep your VIN covered and place a GPS tracker inside your vehicle
  • Don’t leave valuables in sight and choose well‑lit parking areas
  • Never leave your car running unattended
  • Consider driveway bollards for added protection
  • Report suspicious activity to police and avoid direct confrontation

Visit carp.ca/caa-auto to explore your savings and coverage options.

CAA Insurance3 is CARP’s Recommend provider for auto, home, travel, life and pet insurance.

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.
1 Auto 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).
2 To qualify for the discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). CAA Everyday Members maximum savings on auto Insurance is 5%. *BCAA Member savings on Life, Health & Dental and Car insurance products are only available with Basic, Plus or Premier Membership plans. For full details, please visit bcaa.com/plans.
3 Please visit carp.ca/caa to see a list of underwriters covering various CAA insurance products.
®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association. Certain conditions, limitations and underwriting guidelines apply. The ®AMA and the AMA logo are trademarks owned by the Alberta Motor Association. BCAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association. Logos and trademarks are the property of their respective owners.