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MEDIA RELEASE: CAA Insurance to provide 10 per cent rate reduction for new and renewing home and auto policies in Ontario

Apr 15, 2020

2 min


                                                                                                                                                                     


 CAA Insurance announced today that it will be offering a 10 per cent rate reduction for new and renewing home and/or auto insurance policy holders. This rate reduction will be available starting soon in Ontario and is valid for the duration of a 12-month policy term.

 

“CAA believes that insurance should be based on people’s needs, and according to their lifestyle,” said Matthew Turack, president, CAA Insurance. “Right now, people are driving less and are focused on reviewing their finances. This rate reduction, combined with other creative ways where CAA Insurance can potentially help find savings, can make a big difference for people when they need it most.”

 

CAA Insurance has been able to help consumers save money on their insurance premiums since the launch of CAA MyPace in 2018. The first-of-its-kind program in Canada, gives consumers more choice and control, by allowing motorists to monitor how much they are driving and to pay for auto insurance based on that mileage. 

 

The 10 per cent rate reduction is aimed specifically at lowering premiums during the COVID-19 pandemic. The reduced rates can be combined with additional ways to adjust coverage and payment plans to reflect reduced driving behavior such as:


  • Reducing annual mileage amounts on policies
  • Insurance adjustments for multiple cars that aren’t being driven
  • CAA MyPace


Customers switching to CAA MyPace due to a shift in driving habits, can decide to return to a traditional CAA Insurance policy with no fees or penalties once COVID-19 physical distancing measures are over, and higher mileage needs return.


“The key thing is for consumers to check with their agent or broker, and make sure you explore all your options,” continued Turack. “Every company is taking a different approach during the COVID-19 pandemic, and it’s important to use this time to shop around to make sure you find the best savings.”


While the auto insurance rate reduction will soon be available in Ontario, CAA Insurance is working with regulators in other provinces, with the intention to deliver auto insurance savings in all provinces where it operates.


“CAA Insurance recognizes the efforts being made by the Financial Services Regulatory Authority (FSRA) to enable the industry to implement measures that help provide solutions to Ontario consumers during these challenging times,” said Turack. 

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MEDIA RELEASE: New CAA Study Sheds Light on Edible Cannabis and Collision Risk Among Young Drivers

A recent study with funding support from CAA, conducted by the University of Saskatchewan, examined 50 drivers aged 19 to 30 to assess how consuming edible cannabis influences collision risk among young drivers. This demographic, which is known for having a higher tendency to engage in risky driving behaviour, currently holds the highest crash rates nationwide. “This study marks an important first step in understanding how cannabis edibles impact driving performance,” says Michael Stewart, Community Relations Consultant for CAA South Central Ontario. “Too often, decisions about whether someone is fit to drive are made in the moment, relying on judgment rather than evidence. Cannabis impairment studies like this are essential. Each one brings new learnings that help us refine our approach and ensure that safety is never left to chance.” The findings indicate that critical driving skills, including reaction time, lane discipline, and speed control, were impaired. Consumption times may vary to feel the effects of edible cannabis from driver to driver. However, the study found that impairment was most evident at 90 minutes after consumption, so its effects may not be noticeable until a motorist is already behind the wheel. When asked if they felt safe to drive after consuming edibles, only four per cent felt safe getting behind the wheel 90 minutes after eating an edible cannabis product. What is interesting about this is that in a controlled environment, young drivers feel unsafe driving under the influence of cannabis. However, a recent survey of 1,510 Ontario drivers from CAA SCO shows that drivers often have a false sense of confidence when they have driven high in the past. The perception of safety doesn’t match reality The survey found that the number of people admitting to cannabis-impaired driving in Ontario (nearly 20 per cent) has remained stable compared to last year. However, a concerning trend has emerged, with more cannabis-impaired drivers (78 per cent) saying they are confident in their driving abilities while under the influence – a 13 per cent overall increase from 2021. Why is this concerning? The perception of safety doesn’t match reality. More than a third of cannabis-impaired drivers acknowledged feeling high while driving, relying on their personal judgment for signs of impairment, such as drowsiness, slowed reaction time, or brain fog. “This misplaced confidence can lead to dangerous decisions, increasing the risk of collisions and endangering road users,” adds Stewart. “We must recognize that getting behind the wheel is not just a personal choice it’s a responsibility that affects the safety of everyone on our roads.” Growing issue of poly-use The research also points to a growing issue of poly-use, or the consumption of multiple substances and is on the rise. This trend adds another layer of complexity to road safety efforts, as the combined effects of different substances can further impair judgment and reaction times. Most respondents (57 per cent) say they consume cannabis in combination with other substances – most commonly, alcohol. However, painkillers, psilocybin, ecstasy, and MDMA are on the rise. CAA SCO continues to advocate for safer roads by encouraging motorists to make responsible choices. The message is clear: do not get behind the wheel when impaired. “While we’re all aware that alcohol-impaired driving can be dangerous, we should also take the same attitude towards cannabis-impaired driving,” says Stewart. “With the holiday season coming up, cannabis can be consumed legally and responsibly but should never be used when driving.” CAA is asking that those who do consume cannabis, alcohol or other drugs to plan ahead by making alternate arrangements, such as a designated driver or using a rideshare service, to get home safely this holiday season. Methodology The online survey was conducted by DIG Insights from June 27 to July 14, 2025, with 1,510 Ontario drivers aged 19 and older. Based on the sample size of n=1,510 and with a confidence level of 95 per cent, the margin of error for this research is +/- 2%.) Methodology of the University of Saskatchewan study The study collected extensive data from 50 young adult drivers (aged 19–30), resulting in 250 assessments across multiple realistic driving scenarios using a simulator after consuming a 10mg THC edible.

3 min

MEDIA RELEASE: CAA Survey Reveals Substance Use, Particularly Cannabis, is on the Rise Both Recreationally and Behind the Wheel

New findings from a recent survey conducted by CAA Manitoba (CAA MB) highlight a concerning trend: substance use, particularly cannabis, is on the rise both recreationally and behind the wheel. “Cannabis is more accessible than ever, and that means more Manitobans are not only choosing to drive after consuming it but are also getting behind the wheel soon after and expressing increased confidence in their ability to do so,” says Ewald Friesen, manager, government & community relations for CAA Manitoba. The data shows that 24 per cent of drivers admitted to consuming cannabis before driving, which is up six per cent from last year, while ten per cent of Manitobans reported driving after consuming cannabis in the past few months, a three per cent increase from 2024. Among cannabis-impaired drivers, most (63 per cent) say they drove within three hours of consumption, which is up 10 per cent from last year. Over a third of cannabis-impaired drivers acknowledged feeling high while driving. In addition to the survey conducted by CAA MB, a recent study with funding support from CAA, conducted by the University of Saskatchewan, examined 50 drivers aged 19 to 30 to assess how consuming edible cannabis influences collision risk. This age group of young drivers, identified as having the highest crash rates and a greater tendency toward risky driving behaviour, offers new insights into the impact of cannabis on driving. Drivers often have a false sense of confidence when driving high. This study examined how consuming edible cannabis affects collision risk. Findings indicate that critical driving skills, including reaction time, lane discipline, and speed control, were impaired even shortly after consumption. Contrary to popular belief that cannabis edibles take hours to take effect, this study shows that impairment is evident 90 minutes after consumption. When asked if they felt safe to drive after consuming edibles, only four per cent felt safe getting behind the wheel 90 minutes after eating an edible cannabis product. What is interesting about this is that in a controlled environment, young drivers feel unsafe driving under the influence of cannabis. However, the study conducted by CAA MB shows that drivers often have a false sense of confidence when they have driven high in the past. “This study marks an important first step in understanding how cannabis edibles impact driving performance,” adds says Friesen. “Too often, decisions about whether someone is fit to drive are made in the moment, relying on judgment rather than evidence. Cannabis impairment studies like this are essential. Each one brings new learnings that help us refine our approach and ensure that safety is never left to chance.” According to CAA Manitoba’s data, more drivers have reported feeling confident in their driving ability (77 per cent), which is up ten per cent from 2024. More drivers this year (33 per cent) also say that they are unsure about how much cannabis is needed for effects to kick in, up six per cent from 2024. Alarmingly enough, more than half of Manitobans are unaware that the penalties associated with driving under the influence of alcohol, drugs, or a combination of substances are the same. “Drivers may face enhanced roadside sanctions, including an administrative penalty of $700, vehicle impoundment, mandatory Ignition Interlock participation for one year, an impaired driver assessment and movement of 10 levels down the Driver Safety Rating scale,” says Friesen. “Depending on the severity of convictions, impaired drivers may be charged further under the Criminal Code of Canada.”  This holiday season, CAA Manitoba is asking that those who do consume cannabis, alcohol or other drugs to plan ahead by making alternate arrangements, such as a designated driver or using a rideshare service, to get home safely.   Methodology CAA MB The online survey was conducted by DIG Insights from June 27 to July 14, 2025, with 514 Manitoba drivers aged 19 and older. Based on the sample size of n=514 and with a confidence level of 95 per cent, the margin of error for this research is +/- 3%.) Methodology of University of Saskatchewan study The study collected extensive data from 50 young adult drivers (aged 19–30), resulting in 250 assessments across multiple realistic driving scenarios using a simulator after consuming a 10mg THC edible.

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