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January 22, 2021

Working from home? Pay-as-you-go payment plan might be for you

1 min read


Updated Nov 4, 2021

If you continue to work from home due to the pandemic and are looking for a way to save real money on your auto insurance, CAA MyPace™ is a program that is saving low-kilometre drivers 50% on average.

As the pandemic drags on much longer than any of us expected, you might be one of millions of Canadians looking out at your driveway, and wondering why you’re still paying full price for auto insurance for a car that mostly just sits there. If this describes you, and you drive less than 12,000 km a year, you could be saving a bundle by switching to CAA MyPace™.

How does the program work?

The program is quite simple really. First, you’ll be quoted CAA’s typical premium based on your driving record and other personal details. Then, if you say that you want to participate in the CAA MyPace™ program, CAA will send you a device that you will plug into your car’s OBD-II port. All cars built since 1996 have this port. You’ll also download an app to your phone, and together, they will track how many kilometres you drive.

How much can I save?

The savings are greater the less you drive. Here’s the breakdown:

Annual driving Savings*
11,001 km or more No savings
11,000 km 1%
10,000 km 3%
9,000 km 4%
8,000 km 5%
7,000 km 15%
6,000 km 25%
5,000 km 30%
4,000 km 40%
3,000 km 50%
2,000 km 60%
1,000 km 70%

*Savings are an example only and are not an indication of actual savings. Individual savings may be more or less than noted. If you drive more than 12,000 km a year, then you may be better off with a traditional car insurance policy. Please contact one of our licensed brokers to discuss which option would work best for you. But if you’re working from home for the foreseeable future, and only using your car for errands once or twice a week, you can imagine how the CAA MyPace™ program could save you serious money. And of course if you live in a two-car or three-car family, you can put the least used vehicle(s) on the program, and only use them when you really need to.

Get started, get saving

To get your vehicle on the CAA MyPace™ program today, call Mitch at 1-800-731-2228. One of our car insurance brokers will go over your auto insurance history and current driving behaviour with you, and advise if the program is right for you. Because we work with 70+ different insurance companies, we’ll probably be able to save you some money regardless.

If you want more information about the program, check out our interview with CAA Insurance’s Kathy Corbacio from 2020. Auto insurance is underwritten by CAA Insurance Company. Certain conditions, exclusions and underwriting eligibility rules apply. CAA MyPace is a trademark of the Canadian Automobile Association. Vehicle compatibility and enrollment in CAA MyPace payment program is subject to terms and conditions.

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author avatar
Al Maggi Writer

Al Maggi is Mitch's senior writer and content editor. Al works closely with other members of the Mitch broker and executive team to make complex insurance topics understandable, and simpler ones interesting and informative.

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