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“How to Choose the Best Roadside Assistance Plan for Your Needs”

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Understanding Roadside Assistance

Understanding Roadside Assistance

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. Services typically include towing, fuel delivery, lockout assistance, and more. You can access these services through a 24/7 hotline or a mobile app provided by your roadside assistance plan.

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, these plans often have limits on the number of service calls, the dollar amount covered, and the maximum towing distance.

How Much Does Roadside Assistance Cost?

The cost of roadside assistance varies depending on the provider and the services offered. Here are some general 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 plans allow you to add extra services for an additional fee, such as identity theft protection or trip interruption coverage.

Where to Get Roadside Assistance Coverage

You can obtain roadside assistance coverage from various sources, including:

  • Insurance companies: Often available as an add-on to your existing policy
  • Automotive clubs: Offer comprehensive plans with additional perks
  • Auto manufacturers: Provide free or per-service roadside assistance with new vehicle purchases
  • Cellphone providers: Offer coverage for a small monthly fee
  • Credit card companies: Some cards offer free or pay-per-use roadside assistance

How to Choose a Roadside Assistance Plan

Follow these steps to choose the best roadside assistance plan for your needs:

  1. Check for existing coverage through your credit card, cellphone provider, or auto manufacturer.
  2. Review your car insurance policy to see if roadside assistance is available and compare costs.
  3. Research automotive clubs for comprehensive plans and additional benefits.
  4. Sign up for a plan that fits your budget and coverage needs, and review it annually.

Frequently Asked Questions

Is Roadside Assistance Worth It?

Yes, 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 assistance. However, membership plans through third-party services can be more expensive than coverage through your insurance provider.

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, depending on the insurance company and the level of coverage.

Does Roadside Assistance Cover Towing?

Most roadside assistance programs cover towing, but there may be limits on the number of miles covered. Additional miles beyond the limit may incur extra fees.

The Bottom Line

Roadside assistance can be a valuable service when you’re stranded on the road. You have several options for obtaining coverage, including automotive clubs, car insurance policies, and benefits through credit cards or cellphone providers. Be sure to compare coverage limits and pricing before choosing a plan.

For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We are here to help you with all your mortgage requirements.



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