The Good, the Bad, and the Truth About Roadside Assistance

Let’s be honest—no one expects to be stranded on the side of the road, but it happens. Whether it’s a flat tire, a dead battery, or—yes—even running out of gas (I see you, Kristin! 🤦‍♀️), roadside assistance can be a lifesaver. If you’re thinking about bundling it with your auto insurance, here’s what you need to know.

The Good Stuff

🚗 Instant Help When You Need It – When disaster strikes, you don’t have to frantically Google the nearest tow service. Just call your insurance provider, and they’ll send help your way.

💰 It Can Save You Money – Bundling roadside assistance with your car insurance is often cheaper than signing up for a separate service, like AAA.

📄 One Bill, One Less Headache – Instead of juggling multiple memberships and fees, keeping everything under one policy makes life easier.

🔧 They’ll Find You the Right Help – No sketchy tow truck companies or questionable mechanics. Your insurance company partners with reputable professionals to get you back on the road.

The Not-So-Great Side

😬 Limited Coverage – Some policies only cover basic roadside services. Need a locksmith, trip interruption coverage, or extensive repairs? You might be out of luck.

📈 Your Rates Might Go Up – In some cases, frequent roadside assistance claims could raise your insurance premiums. I have seen this so much in the past when potential clients are shopping rates. They get so aggravated that no one ever told them that using roadside assistance can make your rates go up and in some cases make you uninsurable to the more desirable carriers.

⏳ Help Might Take a While – If you’re stuck in the middle of nowhere, your insurer’s service network might not be as quick as you’d hope.

🚙 Coverage Might Not Apply to Every Car You Drive – If you own multiple vehicles or rent often, make sure your policy extends to them. Otherwise, you could be left stranded—again.

Final Thoughts

Bundling roadside assistance with your auto insurance is convenient, but it’s not always the best option for everyone. Before committing, compare your policy’s coverage with other services to make sure it fits your needs. After all, nobody wants to be making a desperate call from the shoulder of the highway—especially when they’ve already been there before.

If you want more information, just give me a call! I also have all the great promo codes for roadside assistance companies if you would like to purchase it separate from your insurance.