Health Insurance
Property & Casualty
Additional Information
Privacy Policy
Employment
Legal & Disclaimer
Roadside Assistance Can Save You Money
When your car breaks down, it’s scary, stressful, and dangerous; especially if it happens when you’re far from home. At some point, you’re probably going to find yourself stranded; you’ll lock your keys in your vehicle, get a flat tire, have a dead battery, or any type of mechanical glitch that can happen anytime, anywhere. It’s times like these that emergency roadside assistance coverage can really come in handy. Any of these scenarios could result in a high bill and a lot of stress. But if you have roadside assistance on your plan, you can enjoy peace of mind, and maybe a few more dollars in the bank.
What is Towing and Roadside Assistance?
Towing and roadside assistance is an auto insurance policy add-on that provides coverage if you get stranded or your car breaks down. This auto insurance coverage helps you handle costs like locksmith services, towing, battery service, gas delivery, and more. The policy limits for emergency roadside assistance are generally low since it’s meant to be used in an emergency and not for major mechanical repairs.
For example, if you were driving and you ran out of gas, you’d make a call, and a professional would provide fuel delivery. In more extreme cases, if your vehicle broke down, towing and roadside assistance would cover the cost of having your vehicle towed to the nearest repair shop.
What Does It Cover?
Towing and roadside assistance provides peace of mind, whether you’re a mile from your driveway or many miles away. Most programs cover:
- Towing to the nearest eligible repair shop
- Tire changes
- Car key replacement service
- Emergency lockout service
- Pulling car out of mud
- Jump-starts
- Fuel delivery
It’s important to note that your policy’s coverage may differ slightly. To find out what is and is not covered by your auto insurance company’s towing and roadside assistance program, talk to your auto insurance agent.
Roadside Assistance Claims Can Affect Your Premium
Many auto insurance companies offer optional roadside assistance, which can be added to your policy for just a few dollars a month. However, when some insurers evaluate your claim history calculating your premium, they take roadside assistance claims into account. This could cause you to pay a slightly higher premium. Other insurance companies will allow so many claims per policy period, and if you exceed this limit, they’ll remove that benefit upon the renewal of your policy, but your premium won’t be affected. Each company handles it differently.
continued below ⇓
Recent Posts
What To Do If Your Doctor Leaves Your Health Plan
If you have been fortunate enough to find a primary or specialty care doctor you love, it can be disappointing to say the least, when your doctor will no longer accept your health insurance plan.
Critical Illness Health Insurance: Should I Have It?
Critical illness insurance, which may also be called critical care insurance or critical illness coverage, pays out a lump-sum, tax-free cash benefit, that can help you take care of any expenses that are associated with a qualifying illness.
What Is An Exclusion In Health Insurance?
In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.
Auto Insurance Quotes
2). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
Is Towing and Roadside Service Included?
How this added auto insurance coverage works varies greatly from company to company. It is usually an optional coverage that can be added to your auto insurance policy. It’s important to ask your agent if it has been added to your policy. Towing and roadside assistance are usually very inexpensive. Sometimes even as low as $1/month.
This cost obviously does vary from company to company, but don’t just tell your insurance agent that you want “full coverage” and assume they’ve added it. You must ask to make certain it has been added. Many people wish to have the coverage removed thinking it will save money, but it is so inexpensive, you may be hurting yourself in the future.
You Should Ask Your Agent These Questions:
- Do I have 24/7 nationwide towing and roadside assistance/service?
- Do I need to pay out of pocket when the tow truck shows up?
- How much coverage do I have? How many miles are covered?
- What happens if I run out of gas, or my engine overheats, do I have coverage? If so, how much is covered?
- Do I have Towing and Winching coverage? If so, how much coverage do I have and how does it work?
- Do I have Dead Battery and Jump Start Coverage? If I do, how does it work?
- Do I have Flat Tire Coverage? If I do, how does it work? What if I don’t have a donut tire or replacement tire with me?
- What happens if I lock myself out of my car, do I have a Lockout Service? If I do, how much is covered?
- Does my coverage follow me everywhere I drive, or does my coverage stay with my car? Meaning, if I am renting a vehicle, and I need a tow, is it covered? Or, what if my friend is using my car with my permission, and he/she needs a tow, are they covered.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Other Things To Consider
Many insurance companies will require that you have “Collision” and/or “Comprehensive” coverage on your car to add towing/roadside service to your policy. There are limits to how much an insurance company will pay and number of frequencies they’ll pay. For example, if you run out of gas 10 times in a year, at some point, you’ll need to remember to fill up your car, because the insurance company will not continue to bring you gas each time.
Do You Need Roadside Assistance?
If your vehicle is still under warranty, you may wonder if towing and roadside assistance is really a good option for you. However, even if your vehicle is only a couple years old and still under warranty, this add-on may still be a good option. No matter how new your vehicle is, breakdowns, blown tires, dead batteries and even empty fuel tanks can happen to anyone.
If you have an older vehicle that has become a little less reliable, the peace of mind you get from adding towing and roadside assistance is priceless. If your auto insurance policy includes towing and roadside assistance, then you can enjoy around-the-clock peace of mind, no matter how far you are from home.
Just like any auto insurance coverage or add-on, the cost of towing and roadside assistance varies from person to person. In most cases, though, this coverage can be added to your policy for just a little over a dollar per month or a bit more. With the peace of mind that it provides, towing and roadside assistance is more than worth its price tag.
Using a Separate Company
Motor clubs like AAA offer similar coverage options for roadside assistance and towing. While they may cost a few dollars more than roadside assistance coverage through your auto insurance company, you won’t be penalized for filing a claim. Check your policy for details.
Finding the Right Coverage with Nevada Insurance Enrollment
Call us today. One of our auto insurance agents can help you review exactly what this type of additional coverage offers and whether or not you should add it to your policy.
To find out the cost and what is included in your auto insurance company’s roadside assistance program and to add this coverage to your current policy, talk to one of our agents. Our assistance comes at no cost to you, making it a risk-free way to ensure that you have the best coverage for your needs.
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Safety Tips For Driving In The Rain
In Las Vegas, roads are particularly slick at the beginning of the storm. That is because they are built without a drainage layer. Dust, oil and grime collect on the surface of the road. When it rains and these mix with water, the dirt settles to the bottom and the oil rises to the top, creating a very slick surface.
Understanding Motorcycle Insurance
If you ride a motorcycle, then you need an insurance policy that protects you and your investment. Understanding what coverage is available and even more importantly, what coverage is legally mandated, can ensure that you enjoy your bike for years to come.
Buying a Used Car From a Private Seller
The vehicle’s history report includes information such as its previous owners, open recalls and damage, accidents, repairs, maintenance history, and odometer readings. If you are buying the vehicle from a dealership, then they will probably provide you with the report if you ask for it.
How To Surrender Your Vehicles License Plates
Every state has its own laws for what you should do with your license plates if you sell your vehicle or cancel your auto insurance policy. In some states, you are allowed to keep personalized and vanity plates, but you must turn in regular license plates.
Safety Tips For Driving In The Rain
In Las Vegas, roads are particularly slick at the beginning of the storm. That is because they are built without a drainage layer. Dust, oil and grime collect on the surface of the road. When it rains and these mix with water, the dirt settles to the bottom and the oil rises to the top, creating a very slick surface.
Understanding Motorcycle Insurance
If you ride a motorcycle, then you need an insurance policy that protects you and your investment. Understanding what coverage is available and even more importantly, what coverage is legally mandated, can ensure that you enjoy your bike for years to come.
Buying a Used Car From a Private Seller
The vehicle’s history report includes information such as its previous owners, open recalls and damage, accidents, repairs, maintenance history, and odometer readings. If you are buying the vehicle from a dealership, then they will probably provide you with the report if you ask for it.
How To Surrender Your Vehicles License Plates
Every state has its own laws for what you should do with your license plates if you sell your vehicle or cancel your auto insurance policy. In some states, you are allowed to keep personalized and vanity plates, but you must turn in regular license plates.