Who Needs Roadside Assistance Coverage?

Why having roadside assistance benefits you.

Have you ever been driving along when suddenly you experience a serious issue with your car?  Whether it be a blown tire, a dead battery, or an overheated engine, most drivers are not equipped to handle such problems with their vehicles.  As a result, you may be forced to call a tow truck and have your car hauled to the nearest mechanic.  But what if you could have a service professional come out to you, fix your car, and have you back on the road right away?  If this sounds appealing to you, then you need to consider securing roadside assistance.  Here’s what you need to know.

What is it?

Roadside assistance is coverage that helps drivers when their car breaks down.  Typically, drivers secure this coverage through their auto insurance provider, and almost every carrier offers this optional coverage.  Adding roadside assistance to your auto policy will usually cover the following:

  • towing services
  • battery jump-start or replacement
  • flat tire service
  • fuel delivery
  • lockout services
  • extrication services

Who Needs this Coverage?

Adding roadside assistance to your auto insurance policy will mean an increase in your rates.  This leaves many drivers to wonder if this coverage is actually worth it.  Insurance experts recommend this coverage depending on the following factors:

  • Vehicle Age– If you have a newer car, then your chances of dealing with a mechanical issue are pretty slim. Since you do not need to worry about your engine overheating or your battery dying on you, you need to consider the likelihood of needing other roadside services.  If you feel like your risk for getting stuck in a ditch or running out of gas is low, then you are probably safe to skip the roadside assistance coverage.  However, if you drive an older car that has a history of mechanical or engine troubles, then you should invest in roadside assistance coverage.  This ensures that you get the help you need when your car inevitably breaks down again.
  • Distance and Commute– Another thing to consider when it comes to roadside assistance coverage is the distance you drive when commuting or taking care of your regular errands. If you tend to stay close to home, then you may be close enough to a mechanic that can deal with your car’s issues.  In this case, there’s no need to pay for roadside assistance.  However, if you regularly drive long distances or travel to areas that you are not familiar with, then roadside assistance is a great investment.  This is because the more you drive, the more likely you are to experience issues with your car.  Additionally, if you are in an unfamiliar location when your car breaks down, then simply calling for roadside assistance is a safer way to get reliable help with your car.
  • Convenience– Roadside assistance is a very convenient way to get the help that you need. When you call for roadside assistance, a professional will come to you and make the repairs that you need right there.  There’s no need to move your car to a service center, make an appointment with a mechanic, and wait for hours until someone finally gets to your car.  So, if you want the best way to have your car fixed and back on the road as soon as possible, then roadside assistance is a great investment for you.

This is what you need to know about roadside assistance coverage.  Do you have questions about this coverage or your auto insurance as a whole?  If so, then contact the experts at Pierce Insurance Group.  Our dedicated team is eager to assist you with all your car coverage needs today.