You may have heard about “roadside assistance” coverage. Your insurance agent might have even tried to sell you this add-on many times before. You might think that roadside assistance is not-necessary for where you live or how you drive, but let’s take a look at this scenario – Imagine yourself cruising leisurely along the freeway, thinking about the sumptuous meal your wife (or husband) has promised you back home – just thinking about it makes your stomach growl, and makes you want to get back home as soon as possible. Suddenly, life plays its card, and a stray nail in your path punctures your tire. You find yourself driving a lopsided vehicle, and stop to inspect the damage.
It’s just a punctured tire – “Nothing I can’t handle!” you say. You began to get to work, looking for your cross wrench and jack. Hunting up and down earns you a startling realization – you left the entire toolkit at home!
In this situation, you’ll have to find another driver that’s helpful enough to aid you with your plight, or be forced to pay for the 24/7 car roadside assistance. However, there’s always another option: that auto insurance with roadside assistance option we talked about above!
Continue reading below to find out:
- What is roadside assistance and how can it help you?
- Why is this type of coverage good to have?
- Is it free? If not, how much does it cost?
What is auto insurance with roadside assistance?
Auto insurance with roadside assistance provides clients under the insurer’s care complimentary roadside assistance should his or her vehicle breaks down. In essence, if you’ve bought auto insurance with roadside assistance, you’ll be able to call for help for free if your vehicle ever encounters problems while on the road.
Roadside assistance will help you if:
- You have one or more punctured tires, and require their help to replace them or provide you with new tires.
- Your car battery went flat, and you need roadside assistance to provide a replacement unit, or to help you jump-start your engine.
- Your vehicle is unable to move in spite of anything you’ve tried, and you need towing services.
- You ran out of fuel, and need them to bring extra fuel for your vehicle.
The best part is this: roadside assistance is available 24 hours a day, 7 days a week! However, do note that their services might only extend to a certain area – query your insurer about the extent of services roadside assistance provides when you sign up for the auto insurance with roadside assistance.
Why is insurance with roadside assistance good to have?
Free towing services– When your vehicle just refuses to start up, you’ll rest assured knowing that your auto insurance comes with a complimentary towing service. You know that private towing services are expensive, and this complimentary service allows you to save on them.
Lockout help – This is perhaps one of the most important services roadside assistance can provide you with. If you lost your keys while going back to your car from work, or if you’ve somehow misplaced your keys in your home, roadside assistance is here to provide you with a spare. This way, you can get back on the road as soon as possible.
Battery replacement – Car batteries are like ticking time-bombs – you never know when they’re going to run flat. When they do run flat, you might be in a tight spot if you’re on a deserted road. Without anybody in sight to help you jump-start your car, you might end up paying a lot just to get a private roadside assistance service to bring you a replacement battery unit, or tow your vehicle back to its workshop. If you have bought auto insurance with roadside assistance, you’ll never have to worry about this – just dial their number, and help will be on the way.
They know what your car model is – You’ll never risk mix-ups, or incompatible tires being brought by other roadside assistance companies because of misunderstanding. The roadside assistance service provided by your auto insurance company will have the details of your vehicle’s model and make, and the roadside assistance service will never bring incompatible replacement parts for your vehicle when you call for them.
It isn’t REALLY complimentary, right?
Auto insurance with roadside assistance does come with a price-tag. Unless stated otherwise, roadside assistance is not a free service that is provided when you sign up for any auto insurance. This means that you’ll have to specifically request this service to be added into your auto insurance package.
As such, you will be required to pay an additional $30-$100/year. This sum is not outrageous at all – if you’re a road warrior, you will find yourself dialing their number one day, and be glad that you’ve paid for this.
Nothing is worse than being stuck on a deserted road, with no one out there to help you out of this quagmire. In these kinds of scenarios, it’s reassuring to know that help is on its way when you dial the number of the roadside assistance service provided by your auto insurance company.