At Eagle Insurance, we understand the peace of mind that comes from knowing you’re protected, no matter what happens on the road. One of the most invaluable coverages you can add to your auto insurance policy is roadside assistance. Whether you're commuting to work, taking a road trip through New England, or just running errands around Rhode Island, this coverage can be a lifesaver.
What is Roadside Assistance Coverage?
Roadside assistance coverage is an optional add-on to your auto insurance policy that provides help when your vehicle breaks down. This service is designed to get you back on the road quickly and safely, offering various services that can address common roadside issues.
What Does Roadside Assistance Cover?
Typically, roadside assistance coverage includes:
Towing Service: If your car breaks down and cannot be driven, towing service will transport your vehicle to the nearest repair shop.
Battery Jump-Start: If your battery dies, a technician can come to jump-start your vehicle.
Flat Tire Change: Assistance with changing a flat tire, provided you have a spare.
Lockout Service: If you lock your keys in your car, a professional can help you gain access.
Fuel Delivery: If you run out of gas, a service provider can deliver enough fuel to get you to the nearest gas station.
How Does It Work?
If you experience a breakdown or other roadside emergency, you can call the roadside assistance hotline provided by your insurance company. They will dispatch a service provider to your location to assist you. This service is typically available 24/7, ensuring you’re never left stranded, no matter the time of day.
Typical Costs
The cost of adding roadside assistance to your policy varies, but it is generally quite affordable. You can expect to pay anywhere from $15 to $60 per year, depending on your insurer and the level of coverage you choose. Some insurance companies may also offer it as part of a package with other coverages, potentially lowering the overall cost.
Key Points to Consider
Coverage Limits: There may be limits on the number of service calls or the distance a tow truck will transport your vehicle. Make sure to understand these limits.
Service Area: Ensure that the coverage applies to all the areas you typically drive. This is especially important for those who travel frequently.
Excluded Services: Some services, like repairs or parts replacement, may not be covered. Be sure to understand what is and isn’t included.
Alternatives: Compare the roadside assistance offered by your insurer with other options like AAA or credit card programs to ensure you’re getting the best value.
Final Thoughts
Roadside assistance coverage can provide significant peace of mind for drivers. It’s a small investment that can save you a lot of stress and hassle when unexpected vehicle issues arise. At Eagle Insurance, we’re here to help you understand all your auto insurance options and find the best coverage for your needs. Contact us today to learn more about how roadside assistance and other coverages can keep you protected on the road.