The cheapest roadside assistance plans are sold by Erie, The Hartford, and Safeco. If you want to maximize savings, you should get your roadside assistance through an insurance company because auto clubs typically charge a lot more. However, a motor club plan might be right for you if you are looking for a wider range of coverage options.
Usually, to get a roadside assistance plan through an insurance company, you will need an existing policy with that company. Further, some insurers will require you to have comprehensive and collision insurance before allowing you to add roadside assistance.
If cost is a major factor, you could consider skipping roadside assistance altogether. For example, if your car is already covered by a manufacturer’s warranty, you won’t need a roadside assistance plan. Or, if you don’t plan on using roadside assistance often and your car is in good condition, you might consider using apps like Blink or Honk, which offer service calls for a flat fee without a subscription.
Yes, roadside assistance is worth it if you have an old car, regularly drive long distances, live somewhere with bad weather (especially snowstorms), or are unfamiliar with car maintenance. Roadside assistance can be cheap, and it can help with everything from towing and winching to jump-starts and lockout services.
You have an old car. Cars that are at least 10 years old are twice as likely to be stranded on the side of the road and four times as likely to require a tow than younger cars, according to AAA. With that in mind, it is worth considering roadside assistance if your car is more than 10 years old.
You regularly drive long distances. Generally, it is worth buying roadside assistance if you commute every day or regularly take long-distance road trips, as your car will experience more wear and tear than the average vehicle.
You live somewhere with bad weather. Where there is bad weather, there are road hazards. Especially if you live in a place that gets a lot of snow, your risk for getting stuck in a ditch or losing control of your vehicle is much higher. Thus, buying roadside assistance, especially a plan that includes winching, is worth the money.
You are unfamiliar with car maintenance. If you feel uncomfortable changing a tire or jumpstarting your car’s engine—or you don’t want to worry about car maintenance at all— it is worth it to purchase roadside assistance to ease your anxiety.
You get it through your car insurance company. Roadside assistance is usually much cheaper through an insurance company than through an auto club. It is worth noting that before allowing you to buy roadside assistance, your insurer may require you to buy comprehensive and collision coverage.
The best alternative to AAA roadside assistance is a motor club membership with Better World Club, Good Sam Club, or Allstate Motor Club. Another good alternative to AAA is purchasing a roadside assistance add-on from a traditional car insurance company, especially an insurer that offers multiple plans.
For example, insurance companies like … read full answerNationwide and Travelers offer different levels of roadside assistance coverage to choose from. Similarly, auto club competitors, including Better World Club and Good Sam Club, offer several coverage options. Drivers can find protection comparable to AAA by comparing the coverage limits of a competitor plan with their desired level of AAA membership.
AAA costs vary by region, and each level of membership comes with different benefits. Roadside assistance from an insurance company is usually less expensive than AAA, but it often provides less coverage. For instance, AAA includes benefits besides roadside assistance, like discounts with affiliated companies, identity theft monitoring, and trip interruption coverage.
It’s also worth noting that AAA ranked below many competitors in WalletHub’s roadside assistance study because it has a large number of unresolved customer complaints. For more information, check out WalletHub’s study of the best roadside assistance plans.
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