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Cheapest Car Insurance With Roadside Assistance

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roadside assistance

Roadside Assistance

With rising rates, many drivers are looking for the cheapest car insurance with roadside assistance. Geico has the cheapest roadside assistance, which can be added to a policy for just $14 a month. Other insurers like Progressive and Esurance also have low rates.

Adding roadside assistance is a wise choice because even today’s advanced new vehicles can break down unexpectedly. Having an insurance plan with roadside assistance can be a huge help if you’re stranded and need help.

Understanding Roadside Assistance

Before diving into specific insurance plans, it’s important to understand what roadside assistance typically covers. This service is designed to help motorists in various emergencies, such as:

  1. Towing services
  2. Battery jump-starts
  3. Flat tire changes
  4. Fuel delivery
  5. Lockout services
  6. Winching (pulling a vehicle out of mud, snow, or a ditch)
The extent of coverage may vary between insurers, so it’s crucial to read the fine print and understand the limitations of each plan.

Factors That Affect Car Insurance Rates

Car insurance premiums are influenced by numerous factors, which can impact the overall cost of your policy, even when roadside assistance is included. Some of these factors include:
  1. Driving record
  2.  Age and experience
  3. Type of vehicle
  4. Location
  5. Annual mileage
  6. Credit score (in some states)
  7. Coverage limits and deductibles
  8. Bundling with other insurance products (e.g., home or renters insurance)

When searching for the cheapest car insurance with roadside assistance, consider how these factors apply to your situation and look for insurers that offer competitive rates based on your profile.

The Top 10 Insurers with The Cheapest Roadside Assistance Plans

Let’s examine roadside assistance plans from ten well-known insurance providers, along with some of their notable features:

1- Geico
– 24/7 roadside assistance
– Towing to the nearest repair facility
– Jump-starts and tire changes
– Lockout services (up to $100)

2. Progressive
– Available as an add-on to auto policies
– Covers towing, jump-starts, fuel delivery, and lockout services
– No out-of-pocket expense at the time of service (subject to plan limits)

3. State Farm
– Emergency road service coverage
– One-hour of mechanical labor at the breakdown site
– Towing to the nearest repair shop
– Gas or oil delivery (cost of fuel/oil not included)

4. Allstate
– Towing to the nearest service facility
– Fuel delivery (cost of fuel not included)
– Lockout services
– Flat tire changes

5. USAA (available to military members and their families)
– 24/7 roadside assistance
– Towing services
– Fuel delivery
– Lockout assistance

6. Nationwide
– Basic and Plus roadside assistance plans
– Towing services (up to 15 miles for Basic, up to 100 miles for Plus)
– Battery jump-start
– Flat tire changes

7. Liberty Mutual
– 24-hour emergency roadside assistance
– Towing to the nearest repair shop
– Jump-starts and tire changes
– Fuel delivery (cost of fuel not included)

8. Farmers
– Towing assistance
– Lockout services
– Flat tire changes
– Fuel and fluid delivery (cost of materials not included)

9. American Family Insurance
– Emergency road service coverage
– Mechanical or electrical breakdown assistance
– Towing services
– Fuel and oil delivery (cost of materials not included)

10. Travelers
– 24/7 roadside assistance
– Towing services
– Battery jump-starts
– Lockout services

Cheapest Roadside Assistance Plans

roadside assistance plan
Now that we’ve explored various insurers’ offerings, let’s rank them based on their most affordable roadside assistance plans. Keep in mind that these rankings are general estimates, and actual prices may vary depending on individual circumstances. Always obtain personalized quotes for the most accurate pricing.

1. Geico
Geico often ranks as one of the most affordable insurers, and their roadside assistance can be added to your policy for as little as $14 per year per vehicle. Their competitive rates and comprehensive coverage make them a top choice for budget-conscious drivers.

2. Progressive
Progressive’s roadside assistance is also competitively priced, often available for around $16-$30 per year, depending on your location and other factors. They’re known for their flexible policies and discount opportunities.

3. State Farm
While not always the cheapest overall, State Farm’s emergency road service can be quite affordable, especially when bundled with their auto insurance. Prices typically range from $20-$50 annually, depending on your policy.

4. USAA
For those who qualify (military members and their families), USAA offers some of the most competitive rates in the industry. Their roadside assistance is often priced between $12-$20 per year, but eligibility is restricted.

5. Travelers
Travelers’ roadside assistance is usually available as an add-on to their auto policies for about $22-$40 per year. They offer solid coverage at a reasonable price point.

6. Nationwide
Nationwide’s Basic roadside assistance plan is relatively affordable, typically costing between $23-$45 annually. Their Plus plan offers more extensive coverage but at a higher price.

7. Liberty Mutual
Liberty Mutual’s roadside assistance can be added to your policy for approximately $25-$50 per year. They offer customizable coverage options to fit various budgets.

8. Allstate
Allstate’s roadside assistance prices vary widely depending on your location and policy, but they generally fall in the $25-$60 per year range. They’re known for their reliable service network.

9. American Family Insurance
American Family’s emergency road service is moderately priced, usually costing between $30-$70 annually. They offer comprehensive coverage despite not always being the cheapest option.

10. Farmers
Farmers Insurance tends to have slightly higher rates compared to some competitors, with roadside assistance often priced between $40-$80 per year. However, they compensate with strong customer service and claims handling.

Tips For Finding the Cheapest Car Insurance with Roadside Assistance

While the above rankings provide a general guideline, securing the most affordable car insurance with roadside assistance requires a strategic approach. Consider the following tips:

1. Compare quotes from multiple insurers
Don’t settle for the first quote you receive. Use online comparison tools and contact different insurance companies directly to get a range of estimates based on your specific needs and circumstances.

2. Look for discounts
Many insurers offer various discounts that can significantly reduce your premium. These may include:
– Multi-policy discounts (bundling auto with home or renters insurance)
– Multi-vehicle discounts
– Good driver discounts
– Good student discounts
– Safety feature discounts
– Defensive driving course discounts
– Loyalty discounts
– Paid-in-full discounts

3. Adjust your coverage and deductibles
While it’s important to maintain adequate coverage, you might find savings by adjusting your policy:
– Increase your deductible (if you can afford a higher out-of-pocket expense in case of a claim)
– Evaluate whether you need comprehensive and collision coverage on older vehicles
– Consider usage-based insurance programs if you’re a low-mileage driver

4. Maintain a good credit score
In many states, insurers use credit-based insurance scores to determine premiums. Maintaining good credit can lead to lower rates.

5. Drive safely and avoid claims
A clean driving record is one of the best ways to keep your insurance costs down. Avoid traffic violations and at-fault accidents to qualify for good driver discounts.

6. Consider pay-per-mile or usage-based insurance
If you don’t drive frequently, these programs can offer substantial savings. They base your rates on your actual driving habits rather than broad demographics.

7. Reassess your insurance needs annually
Your circumstances may change from year to year. Regularly review your policy to ensure you’re not paying for coverage you no longer need.

8. Ask about group insurance discounts
Some employers, alumni associations, and professional organizations offer group discounts on car insurance. Check if you’re eligible for any such programs.

9. Consider a higher-deductible policy with an emergency fund
If you can afford to set aside money for potential out-of-pocket expenses, choosing a higher-deductible policy can lower your premiums while still providing the necessary coverage.

What Adding Roadside Assistance To Your Plan Is a Smart Move

While hunting for the cheapest car insurance, it might be tempting to forego roadside assistance to save a few dollars. However, this add-on often provides immense value for its relatively low cost. Consider the potential expenses of a single roadside emergency:
  • Towing fees can range from $75 to $125 for a 5-10 mile tow.
  • Locksmith services may cost $50 to $250, depending on the time of day and complexity.
  • A jump-start from a service provider could set you back $50 to $120.
When you factor in these potential costs, paying $20-$50 per year for roadside assistance seems like a wise investment. It not only saves money in the long run but also provides peace of mind knowing that help is just a phone call away.

Beyond Price: Other Considerations

While this guide focuses primarily on finding the cheapest car insurance with roadside assistance, it’s important to consider factors beyond price when making your final decision:
1. Customer service reputation Research customer reviews and satisfaction ratings. A slightly more expensive insurer with excellent customer service may be worth the extra cost when you’re stranded on the side of the road. 2. Claims handling efficiency Look into how quickly and fairly each insurer handles claims. The true test of an insurance company comes when you need to use your coverage. 3. Financial stability Choose an insurer with a strong financial rating from agencies like A.M. Best, Moody’s, or Standard & Poor’s. This ensures they’ll be able to pay claims even in difficult economic times. 4. Coverage area If you frequently travel, make sure your roadside assistance coverage extends to the areas you visit. Some plans may have limitations on distance or regions served. 5. Additional benefits Some roadside assistance plans offer extra perks like trip interruption coverage, rental car benefits, or even discounts on hotels and restaurants. These can add value beyond the core services.

The Final Word On The Cheapest Car Insurance With Roadside Assistance

Finding the cheapest car insurance with roadside assistance requires diligent research and comparison. While companies like Geico, Progressive, and State Farm often lead the pack in affordability, your best choice will depend on your unique circumstances. 

 

By understanding what roadside assistance covers, considering the factors that influence your rates, and employing smart shopping strategies, you can secure a policy that protects both your vehicle and your finances. Compare the cheapest roadside assistance insurance plans online. Get your free quote in minutes and save hundreds on quality auto insurance coverage.