Roadside Assistance Insurance: Your regular commute or a holiday road trip might be ruined by a flat tire or running out of petrol. On American roads, there are an estimated 69 million breakdowns annually, or about one breakdown for every three drivers. If your car breaks down and leaves you stuck, roadside assistance insurance may be useful. There are several options for obtaining coverage, and costs can range from free to expensive.
What Is Roadside Assistance Insurance?
You can get assistance from roadside assistance insurance if your car breaks down while you’re driving or even at home.
It may offer a variety of services. However, normally, you might have coverage for the following:
- Locksmithing services if you get locked out
- Rental car discounts if you need to rent a car temporarily
- Fuel delivery if you run out of gas
- Towing to the nearest repair location
- Jump starts if your battery goes dead
- Extrication if your car gets stuck in mud, snow, or a ditch
- Flat tire replacement
Standard car insurance is not the same as roadside assistance coverage. Auto insurance is intended to safeguard you and your vehicle in the event of mishaps, theft, vandalism, or damage brought on by natural disasters. It can pay for car repairs, medical costs, and personal liability for damage to other people’s property or injury to other people. Although they are two distinct things, you might be able to acquire roadside assistance as part of your vehicle insurance coverage.
How Does Roadside Assistance Insurance Work?
You may utilize your roadside assistance insurance just like any other insurance if you have it. In particular, if you are in a circumstance where you feel support is needed, you should start by contacting the provider of your insurance. Some companies that offer roadside help also have a mobile app that you may utilize.
The roadside help provider would ask you to describe the sort of car issue you’re experiencing, and they would swiftly check your policy to make sure it is covered. If it is, a partner business (such a towing business) will be sent to assist you wherever you are. Any out-of-pocket expenses not covered by your roadside assistance coverage would be your responsibility. You would also be liable for paying the deductible if the policy had one.
How Can You Get Roadside Assistance Insurance?
Roadside assistance insurance can be obtained in a number of ways, including:
- Car insurance companies
- Roadside assistance membership services
- Vehicle manufacturer’s warranty
- Cell phone company
- Credit card company
- Membership organizations
When comparing roadside assistance insurance, the two most crucial factors to take into account are what is covered and the cost. You could spend $15 to $60 annually for coverage under your present auto insurance policy. The annual cost of joining a roadside assistance membership package can range from $50 to $360.
This coverage is a card benefit and cannot be purchased separately by credit card businesses. However, there may still be an annual charge for the card and some out-of-pocket expenses associated with using this service. Cell phone providers could potentially provide this as an extra for your account. This could or might not include paying a little monthly cost depending on the kind of plan you have.
Free roadside assistance services could come as standard equipment when you purchase a new or more recent vehicle that is still protected by the manufacturer’s guarantee. You can inquire with the merchant about its inclusion, its scope, and its duration.
Some membership groups also grant access to advantages like roadside assistance. You might be able to join AAA or a comparable service for a discounted rate, for instance, if you are a member of a professional group or the alumni association of your institution.
Examine the policy’s inclusions and any exclusions while assessing the roadside assistance coverage. There can be limitations on the number of covered cars or the towing firms you can utilize. If you’re not the only one who drives your car, it’s also a good idea to inquire about adding other drivers to your insurance. There can be an extra cost for it. GET Coverage.
Why You Need Roadside Assistance Insurance
According to Agero, there are 69 million car breakdowns in the United States each year. It may be worthwhile to spend money on roadside assistance coverage. According to Edmonds of AAA, “Roadside assistance gives drivers peace of mind should their vehicle break down.” It may be tense and frightening to be abandoned by the side of a busy road or in the middle of the night. Drivers who have roadside assistance have a phone number they may contact right away if they need assistance.
With so many alternatives, it’s important to weigh the advantages, disadvantages, and prices of each plan to choose which is ideal for the quantity of support you require. As with conventional auto insurance, having roadside assistance insurance is not required by law in all 50 states.
Take into account the following factors when determining if roadside assistance is worthwhile:
- The age and condition of your car
- The number of people in your household who normally drive your vehicle
- How many miles you drive in a year
- How often you commute versus taking longer road trips
- How adept you or other members of your household are at handling minor car troubles, such as changing a flat tire
The likelihood of a breakdown can be decreased by keeping your car well-maintained and getting regular maintenance. Additionally, if you just travel small distances frequently, dealing with automobile difficulties may not be a significant bother.
However, roadside assistance insurance might provide some reassurance if you’re concerned about becoming stuck on the side of the road. To ensure that you are receiving what you pay for, compare prices and coverage. Additionally, if you’re purchasing coverage through your auto insurance provider, find out if any discounts are offered that might result in cost savings.
A vehicle that is ten years old or older has a greater than doubled risk of becoming stuck on the side of the road and a greater than fourfold risk of needing a tow. Therefore, purchasing a roadside assistance package might be a smart move, especially if your vehicle is older.
However, issues like flat tires, dead batteries, locking your keys in the car, and running out of petrol are part of contemporary vehicles. You can get back on the road and get part of the costs covered through roadside assistance coverage.
Sage is a financial/consumer journalist and senior editor, personal finance, of TrendsHQ. EXPERTISE: Personal Finance, Careers, Jobs, Scholarships, and Entertainment.