There is nothing worse than being stuck on the side of the road with a flat tire, broken down car, or locked keys inside. That is the moment that you will love having a roadside assistance plan in your wallet. The question is, what is the best way to get roadside assistance? You have two basic options, utilize the program offered by your insurance carrier or use a service like AAA or one of the others available. So what’s the difference and which should you use?
For the most part, the service you get from these programs are similar. They will all:
Now lets look at the differences
Almost all Insurance Carriers offer Roadside assistance with their insurance packages making it easy and very affordable to obtain this service. The benefits of using the Insurance Carrier are:
With every PRO, there is a CON. The biggest CON here is that depending on the carrier, calling for assistance is a “claim” and too many of these can start to impact your premiums. Talk to your insurance agent about how your carrier may view this. Also make sure you ask about the different levels of coverage available, for example, the basic package may offer 15 miles of towing while the premier package offers 100 or more.
If you are unable to obtain roadside assistance from your Insurance Carrier or you just prefer another option, then services like AAA can fill this void. AAA offers 3 levels of memberships so you have to evaluate which one works best for you. In addition to the basic services we spoke about above, AAA can offer added benefits like:
Once again, there are some CONS:
Talk to your Agent when purchasing Insurance and evaluate which might be better for you. The good news is, you have options!!