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Auto Insurance and Emergency Roadside Assistance

By Compuquotes Team on March 27th, 2008

Auto Insurance

Emergency roadside assistance is a program that is offered from many insurance brokerages and companies in the United States. Emergency roadside assistance programs are offered to be there when you need them-when you are stranded on the road.

An emergency roadside assistance program usually covers emergency towing, fixing flat tires and gas delivery for when you run out as part of the service. Some emergency roadside assistance programs offer a lot more services, but those three services are the basics of the programs offered.

There are a lot of factors and incidences that can leave you stranded on the road. If you are in an accident or collision of any sort, your car may need to be towed. If you are caught in inclement weather or your car breaks down due to mechanical failure, emergency roadside assistance is there to call and come and get you and your car to safety. Emergency roadside assistance programs are not new, but they are new to insurance companies as an offered service.

Only in the last couple of years have insurance companies made a move towards offering emergency roadside assistance coverage to their clients. It is a valuable service that many people take advantage of, especially when it is offered in conjunction with their auto insurance.

Most insurance companies who offer emergency roadside assistance will take the payments for the service along with your monthly premium payments or as a lump sum payment at the start of your insurance year. This easy payment plan is easy to follow and then you can be sure that you always have the emergency roadside assistance plan when you need it.

Emergency roadside assistance plans mean that if you do require a towing service for you car that you don't have out-of-pocket expenses to deal with. In many cases, only using the service once pays for the premiums for a years worth of coverage. On top of that, the peace of mind that comes with knowing you are safer out on the roadways and that there is help if you need it is priceless. No more worrying about being in a collision or minor accident and having to pay the out of pocket expense of a tow truck.

If you are considering purchasing emergency roadside assistance from your insurance agent, there are a few factors you should consider.

Price versus the cost of a tow: Look at the cost of emergency roadside assistance fees for one year of coverage and find out how much a tow would cost in your driving area. Chances are the cost of one tow from the outer areas of your driving area would be more than you would pay for a years worth of coverage.

Find out the coverage area and limitations: Some emergency roadside assistance programs have limitations on the distance you can have a vehicle towed or have a specific coverage area. Find out if your needs fit within those limitations and boundaries.

There are many reasons to purchase emergency roadside assistance coverage-purchasing it through your insurance company is just an easier way to make sure you are fully protected when you are driving your vehicle.

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