Roadside assistance is a common add-on that is offered by almost every auto insurance policy. Extremely affordable at an average of $2 per month, this handy policy can help get you out of a jam while on the road. But what does roadside assistance actually cover, and do residents of Claremore need it?
What Does Roadside Assistance Cover?
Your can insurance company partners with a network of vendors to supply roadside assistance policyholders with services they need if their vehicle breaks down. You’ll have the convenience of having one number to call to access the closest service provider. You’ll normally get access to the following services:
- Towing (towing due to accident or car failure is a separate policy but roadside assistance will pay for towing if they fail to get your car driveable again in any of the below circumstances)
- Battery Service
- Flat Tire Service
- Fuel Delivery
- Lockout Service
- Extrication (the process of moving a vehicle that is constrained or stuck)
Who Needs Roadside Assistance?
Several factors will help you determine if roadside assistance is right for you. Most people find the service provides peace of mind with minimal cost so it’s a no-brainer. If you’re trying to watch every penny though, here are some factors that increase your chance of needing roadside assistance.
Vehicle Age - Older cars are more likely to need roadside assistance and brand new cars might have some roadside assistance coverage in their warranty.
Distance Of Commute - The more miles you drive per month, the more likely you are to run into trouble. A person that is retired or works from home might not need to use their car as much.
Cost Savings - Should you need to use roadside services, having this policy in place can save you a lot of money. For example, if you locked yourself out of the car without the policy you could pay anywhere from $75 to $100.
Peace Of Mind - Knowing your spouse or child is covered should they run into problems on the road can take a load of worry off your mind. If you have a new driver in your household, having the lockout or fuel delivery service could be nice!
Roadside assistance is an add-on that can easily pay for itself over the course of a year. Some car companies even offer it to those people that choose to carry only liability insurance. Talk to your insurance broker to see what the best option for you is.