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Comprehensive Guide to Roadside Assistance

When you’re on the road, unexpected situations can arise, leaving you stranded and in need of help. This is where roadside assistance comes into play. In this comprehensive guide, we’ll explore what roadside assistance is, how much it costs, where to get coverage, and how to choose the best plan for your needs.

What Is Roadside Assistance?

Roadside assistance is a service designed to help you get back on the road when you encounter issues with your vehicle. Depending on the plan, it may cover services like towing, fuel delivery, lockouts, and more. Typically, you can call a 24/7 hotline or request help through a mobile app, and the provider will send someone to assist you.

What Does Roadside Assistance Cover?

Most roadside assistance plans cover the following situations:

• Jump-starting a dead battery
• Fuel delivery if you run out of gas
• Changing a flat tire
• Towing your vehicle to a repair shop
• Lockout services if you misplace your keys
• Simple on-scene labor for minor repairs

However, plans usually have limits on the number of assistance calls you can make per year, the dollar amount covered for each service, or the maximum number of miles for towing. You may also need to pay for certain items, such as the cost of fuel.

How Much Does Roadside Assistance Cost?

Roadside assistance is generally affordable, with costs ranging from free to $180 per year, depending on the provider and services offered. Here are some typical price ranges:

• Automotive clubs: $50 to $180 per year
• Auto insurance companies: $15 to $30 per year
• Credit card companies: Free or per-service charge
• Cellphone providers: $0 to $60 per year
• Car manufacturers: Free for a limited time

Some membership plans allow you to add services like identity theft protection, bicycle roadside assistance, or trip interruption coverage for an additional fee.

Where to Get Roadside Assistance Coverage

There are several options for obtaining roadside assistance coverage:

• Insurance companies: Many insurance companies offer roadside assistance as a rider to your policy.
• Automotive clubs: Clubs like AAA offer robust plans with additional perks.
• Auto manufacturers: Some car companies offer free roadside assistance with the purchase of a new vehicle.
• Cellphone providers: Some carriers offer roadside assistance for a small monthly fee.
• Credit card companies: Select credit cards offer roadside assistance as a benefit.

How to Choose a Roadside Assistance Plan

Here are some steps to help you choose the best roadside assistance plan for your budget:

1. Look for existing coverage: Check if your credit card, cellphone provider, or auto manufacturer offers free roadside assistance.
2. Check your car insurance policy: See if your insurer offers roadside assistance and compare the cost and services.
3. Research automotive clubs: Consider clubs like AAA for comprehensive coverage.
4. Sign up for a policy: Choose a plan that fits your budget and needs, and review it annually.

Frequently Asked Questions

Is Roadside Assistance Worth It?

Roadside assistance can provide peace of mind and support when you’re on the road. It can save you money on services like towing and locksmith services. However, membership plans through third-party services are generally more expensive. If you’re looking to save money, consider coverage through your insurance provider or a credit card that offers roadside assistance.

Does Using Roadside Assistance Increase Your Premium?

Adding roadside assistance to your car insurance plan may increase your premium by about $15 to $30 per year or more, depending on the insurance company and the level of coverage you buy.

Does Roadside Assistance Cover Towing?

Most roadside assistance programs cover towing, but some plans limit the number of miles you can tow your car. Additional miles beyond that limit may result in fees.

The Bottom Line

Roadside assistance can provide valuable coverage when you’re stranded on the road. You have several options for getting a membership with an automotive company, adding it to an existing car insurance policy, or finding free benefits through a cellphone provider, credit card, or car manufacturer. Be sure to check the coverage limits and pricing for multiple plans before choosing one.

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