Understanding Roadside Assistance: Is It Worth the Extra Premium?

Picture this: you’re driving on a weekend road trip when, suddenly, your car breaks down on the side of the highway. It’s moments like these when roadside assistance coverage becomes more than just a line item on your auto policy; it’s your lifeline.

But what exactly does roadside assistance cover? Is it worth the extra cost? And does it extend beyond the borders of the U.S.?

Let’s break it all down.

What Does Roadside Assistance Cover?

Roadside assistance is designed to help you get back on the road, or at least get you somewhere safe, when unexpected car trouble strikes. While the specifics can vary by insurer, most policies typically include:

• Towing Services: If your vehicle can’t be fixed on the spot, it will be towed to the nearest repair shop.
• Flat Tire Changes: A technician will replace your flat tire with your spare.
• Battery Jump-Starts: If your battery dies, someone can jump-start your vehicle.
• Lockout Services: If you accidentally lock your keys in the car, roadside assistance can help.
• Fuel Delivery: If you run out of gas, they’ll bring enough to get you to the nearest station.
• Winching: If your car gets stuck in mud, snow, or a ditch, roadside assistance may help pull it out.

According to AAA, over 32 million drivers need roadside assistance each year, a clear indicator of how common these mishaps are.

Is Roadside Assistance Worth the Extra Premium?

For many drivers, the peace of mind alone is worth it. A single tow can easily cost $100 or more, while a roadside assistance package through your insurance company may only add $20 to $40 per year to your premium. If you drive long distances, have an older vehicle, or frequently travel with children, the cost can be well worth the investment.

Limitations You Should Know

While roadside assistance is helpful, it does have its limitations. Many policies cap the number of service calls you can make per year, often around three to five calls. If you exceed that limit, you may be billed for additional services. Also, some insurers only cover towing within a certain radius, like 15 or 20 miles, after which you’re responsible for the extra cost.

What about International Travel?

If you drive into Canada, many U.S. roadside assistance plans will still cover you, but you should always confirm with your insurer first. For Mexico, coverage is less common, and you may need to purchase special Mexican auto insurance that includes roadside assistance.

When it comes to rental cars, roadside assistance from your policy may extend to rentals in the U.S., but this typically does not cover international rentals. If you’re renting a car abroad, it’s wise to opt for the rental company’s roadside assistance package.

The Bottom Line

Roadside assistance is a low-cost add-on that can save you hundreds of dollars and a lot of stress if your vehicle breaks down. Understanding the details and limitations of your plan can ensure you’re prepared, whether you’re cruising through the U.S., heading into Canada, or even renting a car for your next vacation.