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If you’ve ever broken down in the middle of nowhere, it can be a scary proposition. It’s even scarier if you don’t have some type of roadside assistance or towing coverage. If you are 25-30 miles from civilization, it can cost about $200 to have a tow truck come out and get you to a qualified and trusted service facility to get your car fixed. Add this to the cost of your repairs, and you could be looking at a pretty substantial bill. If you add towing coverage for a few bucks every month, however, you could avoid having a huge towing bill, and give yourself a little peace of mind as well.
If you have a AAA membership, then you have at least a minimal amount of towing coverage. Keep in mind, however, that their basic package only provides for a five mile towing distance. If you need to be towed further, it will come out of your own pocket. It’s probably best to purchase the next level of membership, which allows 100 miles of towing. Make sure to add your spouse to the membership as well. It will only cost a fraction of your own membership for each individual that you add. If you are insured by a different carrier for your actual auto insurance, they may have their own towing coverage. Generally, AAA is better and priced about the same. AAA also has other advantages such as coverage for locksmith services should you lock yourself out of your car, and will bring you a couple of gallons of fuel for free in case you run out of gas. They provide travel services and discounts at major retailers, entertainment venues, amusement parks, and hotel/motels as well, and have additional benefits such as free travel magazines and maps for members, as well as trip planning services.
Source: http://www.flickr.com/photos/booleansplit/3089762458/
Coverage through your insurance company isn’t as comprehensive, and may have limitations. Ask your insurance agent how reimbursement works, and what exemptions exist. Additional fees and charges for mileage may apply, depending on who your insurance carrier is. If you are in an accident that damages your car to the point that it cannot be easily towed, you may have to pay some additional fees out of pocket. A flatbed tow truck may cost you more than a traditional tow. It’s better to know the answer to these questions ahead of time, not when you’re stranded out on the road. You also need to find out if towing is covered to the nearest repair facility only or if you are allowed to choose the facility of your choice. Often it is better to be able to take the car to a mechanic you trust rather than whoever is closest.
Towing insurance doesn’t cover damages done by the two truck either. It only covers the cost of transporting your vehicle to a garage. Not all towing insurance covers roadside assistance, either. It is generally meant for serious breakdowns and accidents. Lockouts, tire blowouts, or running out of gas may not be covered and you’ll be on your own. Sometimes an automobile warranty or your credit card company will cover these types of instance, though, so it is worth some investigation.
Whether or not you need towing coverage depends mainly on a few factors including:
1. How much do you drive? How far is your work commute?
2. How old is your car? Is it in good shape and well maintained?
3. Do you drive a lot of back roads or in loosely populated areas?
4. How handy are you in fixing minor problems or changing tires yourself?
5. What can you afford?
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If you’ve ever broken down in the middle of nowhere, it can be a scary proposition. It’s even scarier if you don’t have some type of roadside assistance or towing coverage. If you are 25-30 miles from civilization, it can cost about $200 to have a tow truck come out and get you to a qualified and trusted service facility to get your car fixed. Add this to the cost of your repairs, and you could be looking at a pretty substantial bill. If you add towing coverage for a few bucks every month, however, you could avoid having a huge towing bill, and give yourself a little peace of mind as well.
If you have a AAA membership, then you have at least a minimal amount of towing coverage. Keep in mind, however, that their basic package only provides for a five mile towing distance. If you need to be towed further, it will come out of your own pocket. It’s probably best to purchase the next level of membership, which allows 100 miles of towing. Make sure to add your spouse to the membership as well. It will only cost a fraction of your own membership for each individual that you add. If you are insured by a different carrier for your actual auto insurance, they may have their own towing coverage. Generally, AAA is better and priced about the same. AAA also has other advantages such as coverage for locksmith services should you lock yourself out of your car, and will bring you a couple of gallons of fuel for free in case you run out of gas. They provide travel services and discounts at major retailers, entertainment venues, amusement parks, and hotel/motels as well, and have additional benefits such as free travel magazines and maps for members, as well as trip planning services
Coverage through your insurance company isn’t as comprehensive, and may have limitations. Ask your insurance agent how reimbursement works, and what exemptions exist. Additional fees and charges for mileage may apply, depending on who your insurance carrier is. If you are in an accident that damages your car to the point that it cannot be easily towed, you may have to pay some additional fees out of pocket. A flatbed tow truck may cost you more than a traditional tow. It’s better to know the answer to these questions ahead of time, not when you’re stranded out on the road. You also need to find out if towing is covered to the nearest repair facility only or if you are allowed to choose the facility of your choice. Often it is better to be able to take the car to a mechanic you trust rather than whoever is closest.
Towing insurance doesn’t cover damages done by the two truck either. It only covers the cost of transporting your vehicle to a garage. Not all towing insurance covers roadside assistance, either. It is generally mea
If you’ve ever broken down in the middle of nowhere, it can be a scary proposition. It’s even scarier if you don’t have some type of roadside assistance or towing coverage. If you are 25-30 miles from civilization, it can cost about $200 to have a tow truck come out and get you to a qualified and trusted service facility to get your car fixed. Add this to the cost of your repairs, and you could be looking at a pretty substantial bill. If you add towing coverage for a few bucks every month, however, you could avoid having a huge towing bill, and give yourself a little peace of mind as well.
If you have a AAA membership, then you have at least a minimal amount of towing coverage. Keep in mind, however, that their basic package only provides for a five mile towing distance. If you need to be towed further, it will come out of your own pocket. It’s probably best to purchase the next level of membership, which allows 100 miles of towing. Make sure to add your spouse to the membership as well. It will only cost a fraction of your own membership for each individual that you add. If you are insured by a different carrier for your actual auto insurance, they may have their own towing coverage. Generally, AAA is better and priced about the same. AAA also has other advantages such as coverage for locksmith services should you lock yourself out of your car, and will bring you a couple of gallons of fuel for free in case you run out of gas. They provide travel services and discounts at major retailers, entertainment venues, amusement parks, and hotel/motels as well, and have additional benefits such as free travel magazines and maps for members, as well as trip planning services
Coverage through your insurance company isn’t as comprehensive, and may have limitations. Ask your insurance agent how reimbursement works, and what exemptions exist. Additional fees and charges for mileage may apply, depending on who your insurance carrier is. If you are in an accident that damages your car to the point that it cannot be easily towed, you may have to pay some additional fees out of pocket. A flatbed tow truck may cost you more than a traditional tow. It’s better to know the answer to these questions ahead of time, not when you’re stranded out on the road. You also need to find out if towing is covered to the nearest repair facility only or if you are allowed to choose the facility of your choice. Often it is better to be able to take the car to a mechanic you trust rather than whoever is closest.
Towing insurance doesn’t cover damages done by the two truck either. It only covers the cost of transporting your vehicle to a garage. Not all towing insurance covers roadside assistance, either. It is generally meant for serious breakdowns and accidents. Lockouts, tire blowouts, or running out of gas may not be covered and you’ll be on your own. Sometimes an automobile warranty or your credit card company will cover these types of instance, though, so it is worth some investigation.
Whether or not you need towing coverage depends mainly on a few factors including:
1. How much do you drive? How far is your work commute?
2. How old is your car? Is it in good shape and well maintained?
3. Do you drive a lot of back roads or in loosely populated areas?
4. How handy are you in fixing minor problems or changing tires yourself?
5. What can you afford?
nt for serious breakdowns and accidents. Lockouts, tire blowouts, or running out of gas may not be covered and you’ll be on your own. Sometimes an automobile warranty or your credit card company will cover these types of instance, though, so it is worth some investigation.
Whether or not you need towing coverage depends mainly on a few factors including:
1. How much do you drive? How far is your work commute?
2. How old is your car? Is it in good shape and well maintained?
3. Do you drive a lot of back roads or in loosely populated areas?
4. How handy are you in fixing minor problems or changing tires yourself?
5. What can you afford?
I am 52 years old and I have been successful in most things in my life. If there is one thing that I could do over in my life, it would be to have watched this 11 minute video when I was just starting out.