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Roadside Assistance Insurance: Get Help When You Need It

Updated: April 21, 2018

Roadside assistance insurance is the best way for car insurance policyholders to get emergency services at a low cost.

Instead of paying out of pocket for each emergency related to a vehicle, roadside assistance insurance covers these services.

With roadside assistance insurance, a driver can travel anywhere safe in the knowledge that they can contact their insurance company if something goes wrong with their vehicle.

These services help with flat tire replacement, car lockouts and towing situations.

If a driver needs their car recovered from a ditch, they can contact the roadside assistance company that is listed in relation to their insurance policy.

What is Roadside Assistance?

What happens when a person’s car breaks down in the middle of the road and they cannot get it started? They need to call some form of roadside assistance. Emergency road service providers will help people whose cars have stopped working by towing the vehicle or getting it started.

Towing companies will charge for their expenses, while emergency car repairs can get very pricey without insurance.

These emergency road service providers can also help with lesser issues, such as a flat tire, if the driver does not have a spare in the back of their vehicle.

With the help of these services, drivers can continue on their journey safely, or get their car back to a mechanic so it can receive the necessary repairs and maintenance checks.

While it is possible to call towing companies and emergency vehicle repair services without some type of insurance, it does get a lot more expensive. Towing companies will charge for their expenses, while emergency car repairs can get very pricey without insurance.

This is why a lot of people avoid having to pay out of pocket for these services. Instead, they get roadside assistance insurance.

Benefits of Roadside Assistance Insurance

The great thing about roadside assistance insurance is that you do not have to deal with multiple companies. Instead of having a separate company for roadside assistance, everything is done through the insurance provider.

Cheap local towing is often necessary if a car will not start no matter what you try. It is a mistake to continue trying to get it going on the road.

The roadside assistance insurance is an add-on to your regular car insurance policy. It is possible to get assistance related to car towing, ditch extraction, gas delivery, jump starts and lockout services. Tire replacement is also available.

Cheap local towing is often necessary if a car will not start no matter what you try. It is a mistake to continue trying to get it going on the road. The safest option it to get a roadside assistance plan that includes car towing services.

People rarely require gas delivery services, but there are cases where the car’s gas meter stops functioning correctly. If you run out of gas on or near a highway, the nearest gas station may be five or six miles away. While that is only a quick car ride away, it is very far if you have to walk.

Lockout services are so helpful if someone loses their car keys or the keys get locked inside the car.

How to Get Roadside Assistance Insurance

As mentioned earlier, roadside assistance insurance is available as an add-on to a typical car insurance policy. These roadside assistance services are offered by all major auto insurance companies. Each company will have their own price for the roadside assistance add-on.

Some car insurance companies may only allow you to select the roadside assistance add-on if you have purchased comprehensive and/or collision services from them.

Factors that determine the add-on’s price may include the type of car you have, driving history and the location where you live. For example, someone living in a rural area may have a more expensive roadside assistance add-on than someone living near a city. This is because it takes longer for roadside assistance to reach various rural locations, which increases the cost of the service.

Some car insurance companies may only allow you to select the roadside assistance add-on if you have purchased comprehensive and/or collision services from them.

Customers who only have liability insurance may not qualify for the roadside assistance option. It is important to ask your insurance company about their specific policy on this matter.

Even if you get roadside assistance through the insurance company, they will probably use another company to provide you with the specific service.

Other Types of Roadside Assistance Companies

While many drivers choose to get roadside assistance insurance from their insurance company, this is not always the best option. Perhaps your insurance company has a very high price for the roadside assistance add-on.

There are many popular companies in the United States that offer roadside assistance, such as AAA and AARP.

In other cases, the insurance company may only offer the add-on if you meet a certain threshold of auto insurance, which not every driver may want to get. In these cases, it makes more sense to go with an independent company for roadside assistance.

When dealing with an independent company, the policyholder will make monthly or annual payments in exchange for emergency and non-emergency roadside assistance services, up to a certain level.

There are many popular companies in the United States that offer roadside assistance, such as AAA and AARP. AAA road services are probably the most popular when it comes to American drivers.

There are different AAA plans available for drivers, with each plan having a specific level of towing, emergency starting, battery, flat tire and fuel delivery services. Each plan comes with a specific monthly cost for the services.

Other Beneficial Car Insurance Add-Ons

Aside from roadside assistance, most auto insurance companies have the option of other great auto insurance add-ons. For example, many companies offer customers the chance to sign up for vanishing deductibles.

Another auto insurance add-on that every driver should consider is uninsured and underinsured motorist coverage.

This means that the deductible associated with the auto insurance policy will continue to decline at the end of every year.

The idea behind the vanishing deductible is that the out of pocket expenses incurred by the policyholder should decrease each year, because they are demonstrating clean driving, no accidents and prompt premium payments.

Another auto insurance add-on that every driver should consider is uninsured and underinsured motorist coverage. This is crucial because there are a lot of people who drive their vehicles without the necessary insurance coverage.

If you get into an accident with someone who does not have insurance, and the accident was their fault, there is no insurance company that will pay for the damages to your vehicle; unless you have underinsured or uninsured motorist coverage.