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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.
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.
Towing and roadside assistance provides peace of mind, whether you’re a mile from your driveway or many miles away. Most programs cover:
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.
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.
You have an auto insurance policy that covers damage to your vehicle, but what if you regularly use your vehicle to pull your trailer? Does that trailer have the same coverage as your car or truck?
Motorcycles, mopeds, scooters and bicycles may account for a relatively small percentage of vehicles on the road, but they are consistently over-represented in fatal traffic accidents.
Closing on your home can feel like the end of a long journey, and while it is definitely a reason to celebrate, the work is not quite done. There are a few jobs to tackle before getting fully settled.
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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.
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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.
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.
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.
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.
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New Auto Technology Can Save Lives. We’re well beyond seatbelts in today’s modern automobile technology. There are many new safety features and just cool technology that keeps coming out each year, revolutionizing our driving world.
Auto insurance companies use advanced algorithms that take into account numerous factors when determining your monthly auto insurance premium. One seemingly unrelated factor is your credit history.
An accident can leave your head spinning, no matter how minor it is. The actions that you take in the moments following a collision are important for ensuring that the situation is resolved as quickly and as soon as possible. In some cases, filing a police report is an essential part of settling a claim, especially if you or the other driver will be seeking compensation for damage to a vehicle.
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.
New Auto Technology Can Save Lives. We’re well beyond seatbelts in today’s modern automobile technology. There are many new safety features and just cool technology that keeps coming out each year, revolutionizing our driving world.
Auto insurance companies use advanced algorithms that take into account numerous factors when determining your monthly auto insurance premium. One seemingly unrelated factor is your credit history.
An accident can leave your head spinning, no matter how minor it is. The actions that you take in the moments following a collision are important for ensuring that the situation is resolved as quickly and as soon as possible. In some cases, filing a police report is an essential part of settling a claim, especially if you or the other driver will be seeking compensation for damage to a vehicle.
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.