Top Posts
Ft. McMurray's Fire
Adopting Adept Adapting
UBER Insurance Ontario
Related Topics
Get An Quote Online
Auto Insurance Discounts
Locate us

CAA Connect Discount (5-30%)

My Insurance Broker
Aug 10th, 2016 at 11:55 am  •  Richmond Hill, ON

Compare Auto Insurance Quotes.
Compare The Best Auto Insurance Rates From Canada's Top Insurance Companies.
Average savings $500. Coverage available from $1,000,000 to 2,000,000.

CAA Connect Discount 15% - Explained

Why does my driving behaviour (UBI) affect my auto insurance premiums?

Simple, the better you drive, the more you save. Insurance Companies offer telematics discounts such as CAA Insurance’s CAA Connect Discount (Telematics) which rewards you with a discount by assessing your acceleration, braking, and the time of day that you drive. This is also called User Based Insurance (UBI). With CAA Connect, CAA Insurance customizes your insurance rates based on your individual driving habits. CAA Insurance has initiated a program that rewards your good driving behavior. It does not account for locations so no matter where you drive in Canada or elsewhere, you will save. Simply plug the CAA Connect into your car and drive.

How much can I save on Auto Insurance with CAA Insurance’s CAA Connect Discount (User Based Insurance (UBI)/ Telematics)?

You instantly save 5% when you sign up for CAA Insurance’s CAA Connect Discount and are eligible to save up to 15% upon renewal. If you are a CAA Member that discount can increase to over 30%. This means that all you need to do to instantly reduce your insurance premium by 5% is plug in your CAA Connect device. To make sure you get the most of your discount upon renewal ensure to avoid heavy acceleration or hard stops when braking.

Compare Auto Insurance Quotes.
Compare The Best Auto Insurance Rates From Canada's Top Insurance Companies.
Average savings $500. Coverage available from $1,000,000 to 2,000,000.

How do I get the CAA Connect Discount?

Follow these three simple steps to start receiving your CAA Connect Discount:

Step 1: Start by getting an Auto quote

Get an Auto Insurance quote and select CAA Insurance to begin taking advantage of the CAA Connect Discount today. Remember, with CAA Insurance’s CAA Connect you automatically get a 5% enrollment discount.

Step 2: Setup your CAA Connect Device

Your CAA Connect Device will arrive anywhere in Ontario by mail a few business days after your enrollment in the CAA Connect Discount program. After it arrives, remove the packaging, then simply plug it into the OBD port (On-Board Diagnostic system) of your car and drive.

Connecting your CAA Connect device is as simple as locating your OBD (On Board Diagnostic) port. It's a small socket in your car that can usually be found under the dashboard or close to the steering column. If you need help finding yours, check your vehicle's owner's manual.

When you activate and install the device, we will send you an email describing how you can log in to access your custom CAA Connect dashboard. This dashboard will show you your potential discounts. Logging in to your dashboard will provide you with feedback on your driving habits, stats and your potential savings at policy renewal time.

Step 3: Save on your Auto Insurance

Depending how you drive, and whether you are a CAA Member, when renewing your auto insurance policy could be eligible for up to 30% off your entire auto insurance premium.

Don’t worry, all information captured by the CAA Connect device cannot be used against you in the case of an accident or brush with the law. Unless you want to access it to prove you were in fact not speeding or not at fault for an accident or damage to your vehicle. This means that you will never have to disclose any information related to your driving habits. The information is only sent to your insurer.

How to grow your Telematics Discount percent (from 5-30%)

Who is collecting my Information?

Many Ontarians are hesitant from a privacy perspective as to what information is being gathered and more importantly who has access to this information. Although telematics devices also record GPS data, other data collected includes driving habits, braking and acceleration trends, and time of use. Analyzing such habits can significantly encourage a reduction in premiums since insurance companies can determine good driving habits against those which traditionally lead to accidents. Through protection agencies such as FSCO & PIPEDA, the Ontario government closely monitors the use of such private information and ensures the proper collection, storage, and use to avoid any misappropriate resale or application of your personal information.

What are they collecting it for?

As technology continues to play a role in our daily lives to help improve accessibility, ease and convenience of use, and predictive analytics, this new adoption of technology by insurance providers helps identify risk on an individual basis. Historically, an insurance company would analyze data and trends segmented based on postal code, age, gender, vehicle model, etc. Today, through the insurer initiatives, individualized rating is close to perfection – placing us one step closer to rating based on individual drivers rather than demographics.