There comes a time in your life when you might be in need of a roadside assistance. Perhaps you ran out of a car, had your car break down, got a flat tire or skidded on ice and ran into a guardrail. Regardless of the cause, your vehicle is stuck, and you need help. The moment you encounter this issue, the first thing you are probably considering is to call AAA to tow your car. Nevertheless, the services of AAA and similar towing services providers are usually more expensive than just buying roadside assistance via your insurance providers, a feature that many purchasers of insurance aren’t aware of.

Most of the big names in car insurance offer a roadside assistance add-on that could supplement your coverage. Although a lot of drivers would save money by buying this feature, it isn’t the best for everybody. If at present, you don’t already have roadside assistance via your vehicle insurance provider, would this be the right preference for you?

What It Covers

Roadside assistance almost always covers the following: flat tires, moving your vehicle, so it is no longer stuck, dead battery jump starts, fuel delivery and vehicle lockouts. Check with your insurance provider to ensure they will cover each of these features.

How Insurance Companies Charge for It

A majority of auto insurance providers charge for roadside assistance with an added cost to their clients’ monthly premiums. These rates may decrease or increase depending on the make and age of the vehicle. Allstate is the only large-scale insurance company that does things differently. Rather than including the roadside assistance feature to its clients’ bill, Allstate charges for roadside assistance when it’s been used.  That implies Allstate clients may never have to use this feature, however, if they do, they will simply see a spike in one premium payment.

How Does It Work?

Some insurance providers offer an app for its clients to make use of in case they are in need of roadside assistance, but all insurance companies have a hotline they can be contacted at. Once you call the hotline, your provider will make plans for the tow truck and repairs. All insurance providers’ hotlines are available for 24/7 support, so you will never be stranded.

What’s the Catch?

If you have full coverage vehicle insurance, you should be in the clear. Most vehicle insurance providers require their clients to have comprehensive and/ or collision vehicle insurance to add on the roadside assistance feature. Though most providers advise their clients to invest in at least one of these types of vehicle insurance anyway, a lot of people don’t invest in anything other than liability insurance, as this is the only one most states requires. If you do not already have comprehensive or collision insurance, adding on this type of coverage will raise your monthly premiums.

Roadside Assistance Without Your Provider

If you decide not to add roadside assistance to your car insurance policy, you will need to be a member of AAA or a similar service. These insurers should cover the same types of services that your vehicle insurance provider offers. The biggest disparity you will see if you choose not to use roadside assistance with your provider is the price. AAA often is more expensive than adding roadside assistance to your insurance provider. Nevertheless, you can get discounts by being a member of AAA or a similar service, so you might be able to save money on other fronts. Like most insurance providers, AAA charges its customers to use the service for a period, even if the customer doesn’t need roadside assistance at all; except you are a client of Allstate or certain small-scale insurance providers, this will be the case for you.

Finally, adding roadside assistance to your vehicle insurance coverage is worth it in most cases. The only times it isn’t worth it is when the client does not have comprehensive or collision insurance and doesn’t plan on investing on it. Also, if the client believes that he or she will use the AAA discounts frequently, it may be the smartest move to stay with AAA. If not, most people will save a considerable amount of money by investing in roadside assistance through their vehicle insurance providers. Contact an insurance agent to know if you could benefit from adding roadside assistance to your car insurance provider.