The Benefits of Roadside Assistance

You’ve probably insured your home and property against unexpected emergencies, but have you thought about what you’d do if your car broke down when you’re far from home? Emergency roadside assistance covers you when you’re at your most vulnerable.

The Benefits of Roadside Assistance

What is roadside assistance?

Emergency roadside help is an add-on coverage that comes to the rescue if your vehicle breaks down and you’re stranded. It comes in handy when you have a flat tire, your car’s battery needs a jump or you run out of gas.

Most companies have phone operators on standby 24/7. A phone call can get help sent quickly, regardless of when or where you’re stuck. 

According to Marissa Mounds, Senior Managing Director of National Auto Strategy for Travelers, “Having roadside assistance as an add-on to your auto insurance policy is a great way to help ensure that in the event of an emergency, you can get the assistance needed to get back on the road safely.”

What are the benefits of roadside assistance?

The coverage is fairly inexpensive, especially when compared to the cost of towing to a mechanic. The average emergency roadside coverage policy costs between $50 – $100 per year, while a single five-mile tow can cost up to $125.

John Nielsen, managing director of Automotive Engineering for AAA explains, “All vehicles – even the newest ones – are prone to typical roadside headaches like dead batteries, flat tires and misplaced keys, but vehicles 10 years and older are four times more likely to encounter a problem serious enough to require a tow to a repair facility.”

According to a recent report from the AAA, the most common types of serious breakdowns that require towing include:

  • Battery and electrical problems 
  • Overheated engine or cooling system failures
  • Tire damage that can’t be fixed roadside

Safety benefits of roadside assistance plans

Breaking down on a busy highway or street can be dangerous. Having roadside assistance come to the rescue quickly can get you out of a bad situation fast.

Ross Martin, a licensed insurance agent and consumer expert with The Zebra says, “Roadside assistance usually only costs a few dollars a month on average, but can really help you out of some sticky situations.” Don’t skimp when it comes to your safety – and that of your vehicle’s passengers.

What does a typical emergency breakdown coverage plan include?

Most roadside assistance plans cover:

  • Battery jumpstart service
  • Flat tire service
  • Fuel delivery
  • Lockout service
  • Towing
  • Winching or extrication (from a ditch, for example)

When choosing a plan, be sure to ask about the limitations on the policy. For example, towing may be limited to a 10-mile distance per tow.

What are the best roadside assistance companies?

You have many options to choose from when you’re shopping for coverage. Here are four main categories:

1

Your auto insurance company

Your auto insurer may include roadside assistance in your policy, but it’s best to check what it includes. The coverage may seem free, but the cost is often built into your insurance premium and can be deducted if you decide to pick a different provider. 

2

Stand-alone emergency roadside assistance providers

You may prefer to choose from the stand-alone providers that specialize in emergency roadside help:

AAA Allstate Motorclub AARP Roadside Best Roadside Service National Motor Club
AAA Allstate Motorclub AARP Best Roadside Service National Motor Club
Cost $58 – $119 per year $52 – $99 per year $58 – $75 per year $75 – $100 $78 – $120 per year
Limits 5 miles of free towing (200 miles with the more expensive premium plan), up to 3 calls per year, $50 per locksmith event Up to $100 per emergency, 3 service calls per year (5 for premium) AARP members only (50+ years old), 5 miles of free towing (100 miles with the more expensive premium plan, four calls per year , $50 per locksmith event (up to $130 with the premium plan) Towing up to 75 miles, 6 service calls per year, locksmith up to $100, winching up to $50 Up to $100 per emergency, four calls per year
Number of family members included One, an additional $74 per person All household members listed on the plan One, $10 to add spouse Anyone driving the insured vehicle for the $75 plan, or the $100 plan is per member, regardless of vehicle One, $5 additional fee per member

3

Credit card companies

You may already have emergency roadside assistance coverage through your credit card. Some of the premium credit cards that offer roadside breakdown coverage include:

American Express Chase Citi
American Express Chase Citi
Battery jump start Yes Yes Yes
Flat tire replacement With available spare Yes Yes
Fuel delivery Up to two gallons Yes Yes
Lock-out service If key is in car Yes Yes
Tow service Up to 10 miles Yes Up to 10 miles
Winching Yes No Yes

4

New car and certified manufacturer coverage

Most auto manufacturers offer services like battery jumpstart, flat tire service and fuel delivery. Check your owner’s manual or contact your dealer for more information.


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