Independent Auto Insurance Reviews

CAA Insurance Auto Insurance Reviews

(9 reviews)
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Category: Switching, Cancellation
(1.9 out of 5 stars)
Customer Service:
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Claim Experience:

Brutal Customer service

(2.0 out of 5 stars)
by KC Jul 10, 2019
...I have been a CAA customer for over 15 years, never had a claim until January this year. It was complicated in that I had two claims in process at once. At every turn, I had to make multiple calls to CAA to get/keep things moving. Never got the same person twice, never received a callback when promised. It took 3 months to get the work completed, for cosmetic damage (front and rear bumpers). CAA repeatedly lost track of the body shop estimates. They had to be sent 3 times. I am moving auto and home policies to another carrier, even if more expensive...
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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.

Applying for Insurance

(1.5 out of 5 stars)
by Thomas May 09, 2019
...We decided to get a quote for new insurance rates and were told that even though my wife and I are excellent drivers my daughter who was in an accident many years ago on our Insurance and who now no longer lives with us that we would be penalized for her at fault accident until she gets new Insurance from another Insurance company. Once she gets new Insurance our rates at CAA would go down. This agent says this is a standard practice from other Insurance companies. It was a good thing we shopped around because the other 4 Insurance companies said my wife and I would not be penalized for my daughter's mistake just as long as my daughter no longer lives at our place and is not on our Insurance. One agent from a well-known Insurance company that we talked to said that we were given a line and what was told to us from CAA does not make any sense at all. As he said if she was on your Insurance policy absolutely you would be penalized but she no longer resides at your place and because she does not have Insurance you will still be penalized? He just laughed and said that does not make any sense what so ever and that is not how his Insurance company works and that my wife and I would not be penalized for her mistake. Hence we moved all our Insurance to them at a great rate! Watch out for CAA Auto Insurance as we have found out and definitely shop around as you will be amazed at what better deals you can find. I could imagine if you tried to ever make a claim with CAA and what kind of hassles they would give you. Were glad we did not go with them...
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painful experience

(1.0 out of 5 stars)
by pissed off May 06, 2019
...Wish there was a negative status like 0 to - 10 or something. Had the worst experience ever while trying to switch vehicles. First of all, they need to put an English speaking option on the menu, then get actual people capable of speaking the language. This would probably help with their dismal ratings. as for my experience with their people, I would rate them at - 10, totally useless...
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Cancellation stress

(1.0 out of 5 stars)
by Johle Oct 06, 2018
...Extremely difficult to simply cancel Moms auto policy after her death. The car is sold. New owner, new policy copy of death cert. Copy of will...letter of direction etc. All submitted yet still unable to cancel...sometimes we lose sight of effectiveness in our search for correctness. Not at all positive for our family...
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Cheaper but really bad service

(2.0 out of 5 stars)
by JusticeSeeker125 Apr 28, 2017
...I had a really bad experience with this insurer. After 25 years as a platinum CAA member for their roadside assistance, I opted to get their insurance coverage. It was inexpensive compared to others but I had to go through so much stress every time I needed to make a change. On two separate occasions due to their failure to do their job on a timely basis customer service almost got my policies cancelled. This was due to changing bank accounts after a divorce and then after a family member I lived with and had a joint account with could no longer manage their own financial affairs. They never changed the information so kept trying to draft a non-existent bank account. The first time this happened I let it go and gave them another chance. Sure enough, in another two years I needed to open another new bank account and remove someone from my policy and gave them all the information immediately yet once again they failed to change it over and I received a second registered letter informing me of cancellation. Then ironically, they switched sides and claimed I wasn`t allowed to cancel my policy without the other party`s signature....they were represented by a public guardian so I had to go to the Ministry and get them to fax a letter. Even then CAA continued to draft my account and took weeks to pay me back. I have a disability and am on a fixed income. Too many sleepless nights because of these people, not worth it. I don`t recommend them to anyone because you do get what you pay for. Now I pay roughly 40$ a month more but the new company is a lot more professional and I always get a call back the same day within a couple of hours when I call my local office. Now you tell me, is all this aggravation worth saving $40 a month? My health and well-being is worth way more than that!! I am not satisfied that they would competently handle a claim either because they don`t seem to care how long they delay handling matters, it`s a chronic and long term problem for their customer service department and I doubt it changed since last year when I finally cancelled all my policies with them and went elsewhere. Bottom line, caveat emptor!
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Insurance nightmare

(1.0 out of 5 stars)
by ChuckS Apr 19, 2017
...Been with CAA auto and home insurance for 30+ years. Started a new side business and called CAA to change policy from personal to commercial on my pickup truck. They don't do commercial, so told me I had to look elsewhere. Then the agent said she had to review my home policy. She asked if I was going to use any part of my home as an office. I said I have a small office set up in the basement for my personal use and intended on using it for business as well. No customers coming and going, just phone calls, emails and invoicing. BIG MISTAKE !!! The agent put me on hold for a couple of minutes and informed me that both my home insurance and personal insurance on my pickup truck are being cancelled. Case closed. No explanation, just cancelled. Be forewarned !!!...
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Scam, stay away.

(1.0 out of 5 stars)
by TITAN Sep 26, 2016
...Our car was rear ended at a high rate of speed at a light in May and even with ample following distance due to the speed we hit the car in front of us. CAA rated 50% at fault for the collision because that is what the book says without taking in to account the entire situation. They are very black and white. The told us to pay 50% of the deductible but the collision would not effect our premiums or policy at all. We renewed in October with no issues and went through a whole year when we received a letter this October telling us we are not being renewed because of an at fault collision and they quoted the May collision as the reason. I asked why we were renewed the first October but not this year and they said no one looked at our file. I however found out that if we wanted to fight the claim it had to be within 1 year of the collision, so CAA basically ran out the clock so we couldn't fight it. I then had to shop around for insurance and called CAA 4 times now for an experience letter, I'm told every time I will receive one by the end of business day and to date have not received it. So I can't stay with CAA and they wont let me leave, do yourself a favor and find someone else to insure you...
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