General

Best Roadside Assistance Plans of 2022 – Forbes Advisor

Best Roadside Assistance Plans of 2022 - Forbes Advisor

Roadside assistance is offered by some auto insurance companies as additional coverage. Note that most of the time you also have to have comprehensive and collision coverage. Roadside assistance plans are also sold by motorcycle clubs and companies that specialize in roadside assistance. And some credit card benefits include roadside assistance.

Roadside assistance plans aren’t standard: tow limits, price, calls covered per year, and other variables vary by plan, company, and even state. To determine the best roadside assistance plan for your needs, consider the following features when shopping around.

Towing limits and roadside assistance plans

Most roadside assistance plans specify the distance they will tow from the point where your car breaks down, say 5, 10 or 20 miles. If a wider area of ​​applicable tow coverage is a priority, you’ll want to make sure that the service you choose has an acceptable limit on the tow miles that meet your needs.

Roadside assistance services per subscription year

When researching roadside assistance plans, be sure to check the number of calls or towage services per plan year. Some roadside assistance plans limit the number of rescues to three or four per year.

On-site repairs for minor mechanical problems

Some roadside assistance plans offer assistance if you break down and need a mechanic to make some minor repairs, something that should not take more than an hour or so.

Extension coverage for roadside assistance

To ensure coverage extends to your family, or to you as a passenger, review the details of any roadside assistance plans you are considering. Not all roadside assistance plans cover you as a passenger or your family members. Keep in mind that some companies offer upgrades with family plans and higher coverage limits.

winches

Sometimes your car gets stuck in mud, snow, ice or in a ditch. In that case, you will need a winch to pull your vehicle out and back onto the road. Look for a winch roadside assistance plan if you are concerned about this type of service call.

Lost key services

Some roadside assistance plans will pay to send a locksmith to help if your keys are lost or stolen, although you will usually have to pay to replace the key. Keep in mind that this is not always included in roadside assistance plans – some will only help you if you lock your keys in your car.

Benefits for roadside assistance and trip interruption

If an emergency listed in your plan means you unexpectedly need to stay overnight in a hotel while your car is being repaired, trip interruption benefits can help pay for meals, transportation, and lodging. Trip interruption benefits are usually found in more comprehensive roadside assistance plans and typically require you to be a certain distance from home, say 100 miles.

Roadside assistance price

What you pay for roadside assistance depends on the company you buy your plan from and how much coverage you get, among other factors.

If paying the cheapest price is most important to you, you may want to start with your current auto insurance company. Keep in mind that if you buy roadside assistance from your auto insurance company, frequent emergency claims can cause your auto insurance rate to rise. Using the emergency service for an incidental emergency will not affect your rates.

If your car insurance company’s roadside assistance doesn’t cover everything you want, say coverage for other drivers in your household or a higher mileage limit, you might pay a little more, but be happier with an auto club subscription. Auto clubs can also provide benefits beyond roadside assistance, such as partner discounts, trip planning assistance, or travel interruption compensation.

Some roadside assistance companies offer different levels of coverage, so while the budget plan may be the cheapest, the premiere plan can include more of the benefits you want. For example, AAA, AARP, Allstate, Better World, Good Sam, Nationwide, and Travelers all offer more than one roadside assistance plan.