Roadside Assistance Add-On: Helpful or Hype?
What Is a Roadside Assistance Add-On?
Many drivers think of auto insurance as just liability coverage, but most carriers also sell optional add‑ons. A roadside assistance add‑on promises help when a vehicle breaks down, runs out of fuel, or needs a quick lockout solution. The service typically covers towing services, battery jump‑start, fuel delivery, and even minor mechanical repairs at the roadside.
When the Add‑On Can Be a Real Saver
If you commute long distances, travel frequently, or own an older car, the probability of an unexpected breakdown rises. In those cases, the cost of a single tow can exceed the annual premium for the add‑on. Moreover, the peace of mind of having a 24/7 call center can reduce stress and keep you moving faster.
Typical Coverage Limits and Exclusions
Most policies cap the number of service calls per year and set mileage limits for towing. For example, a policy might cover up to three tow calls within 50 miles each. Services like emergency lockout are often included, but you won’t get full repair work—only the immediate fix that gets you back on the road.
Potential Drawbacks and Hidden Costs
While the add‑on sounds convenient, it can be overpriced for drivers who rarely need assistance. Some insurers bundle the add‑on into a larger package, making it hard to see the standalone price. Additionally, if you already belong to an automobile club such as AAA, you may be paying twice for essentially the same service.
How to Decide If It’s Worth It
Start by comparing the annual premium of the add‑on with the average cost of a single service call. If a tow typically costs $100–$150, and the add‑on costs $80 per year, the math favors the add‑on for most drivers. However, if you have a reliable vehicle and a low mileage profile, you might save money by skipping it.
Another factor is the quality of the provider network. Some insurers partner with reputable local garages, while others rely on third‑party dispatch services that may have longer wait times. Look for reviews of the fuel delivery and battery jump‑start experiences shared by other policyholders.
In summary, the roadside assistance add‑on can be a valuable safety net for high‑risk drivers, but for low‑usage owners it may simply be a marketing add‑on. Evaluate your driving habits, existing memberships, and the specific terms of the policy before making a decision.
