Does car insurance cover towing? This question is about Cheap Car Insurance

Does car insurance cover towing?

Answer Question Report Abuse

This question is about Cheap Car Insurance

John S Kiernan, Managing Editor

@John • 12/08/22 This answer was first published on 08/15/22 and it was last updated on 12/08/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

Car insurance does not cover towing if you have a liability-only policy, but it might if you have full coverage. Many full coverage car insurance policies will reimburse drivers for towing that results from a collision but won’t cover towing due to a mechanical issue or breakdown.

Some full coverage policies only cover towing if you pay extra for roadside assistance, though. Roadside assistance is usually an easy and affordable add-on. You can add it to your policy for around $5 to $15 per car, per month.

When purchased as an add-on, roadside assistance typically includes:

Towing (up to a certain distance, in most cases)
Flat-tire changes
Jumpstarts and battery replacements
Fuel delivery if you run out of gas
Locksmith services

Some insurers offer towing and labor coverage in addition to roadside assistance plans. Towing and labor plans typically cover towing, tire changes, and jump starts but not the full scope of services available with roadside assistance. Because towing coverage varies so much from policy to policy, it’s important to know exactly what is covered by speaking to your insurer directly.

If you don’t have roadside assistance as part of your car insurance, you could also consider purchasing roadside assistance from a third-party, like AAA. Third-party providers offer the same roadside services you would get by adding on to your insurance policy, but some have extra perks. AAA, for example, offers free trip-planning tools, identity theft monitoring, and thousands of shopping, entertainment, and dining discounts.

Answer Question

Does Progressive have free towing?

Yes, Progressive does offer free towing for customers who have the company’s roadside assistance coverage. Progressive roadside assistance is provided by Agero, generally costs $16 per year and includes towing services up to 15 miles or the nearest repair shop. Progressive customers can request roadside assistance online, or they can call 1-800-776-2778.... read full answer

What Progressive Roadside Assistance Covers

Towing services up to 15 miles or the nearest repair shop

Winching service (within 100 feet of a road or highway)

Battery jump-start

Fuel delivery

Battery charge for electric cars

Locksmith services

Flat-tire changes

Up to one hour of onsite labor

While Progressive’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Progressive Free Towing Limit vs. Popular Competitors

Company	Free Towing Limit
Progressive	Up to 15 miles
Geico	To the nearest location
State Farm	To the nearest location
Nationwide	Up to 15 miles
Travelers	Up to 15 miles

show less

Is the Allstate Motor Club worth it?

Yes, Allstate Motor Club is worth it if you want 24/7 roadside assistance anywhere in the U.S., and you anticipate using at least $89 in roadside assistance services in a year. Allstate Motor Club has two plans: Roadside Advantage, which costs $89 for the first year, and Roadside Elite, which costs $164 for the first year.... read full answer

The cost to renew your membership is $105 per year for the Roadside Advantage plan and $179 per year for the Roadside Elite plan. Allstate Motor Club memberships can be purchased even if you don’t have an active insurance policy with Allstate.

Why Allstate Motor Club Is Worth It

24/7 roadside assistance services, including towing, jump starts, lockouts, tire changes, reimbursement for repairs to tires and wheels, and fuel delivery. Keep in mind that neither membership covers the cost of fuel or any parts.

Members can add a second household member for free, though any additional members will add $24 to your yearly membership fee.

Up to seven service calls per year for families with the Roadside Elite plan. With the Roadside Advantage plan, you get up to five calls per year depending on how many people you add to your plan.

Covers any car a member drives, including cars they borrow or rent.

Access to trip planning tools and services, plus savings on travel, health and beauty supplies, entertainment, and more.

Members still have access to Allstate roadside assistance on a pay-per-use basis after exhausting their free service calls for a year.

Allstate’s Motor Club memberships also provide discounts on oil changes, auto parts, flights, and more. The Roadside Elite plan even includes motorcycle and RV coverage.

Bottom Line

The bottom line is that if you break down on the side of the road or wake up to a flat tire at home, you’ll find that an Allstate Motor Club membership is worth having.

Some notable competitors to Allstate Motor Club are AAA, National Motor Club, and Good Sam Roadside Assistance, but Allstate Motor Club stands out because of its multiple coverage options and its availability to customers on a pay-per-use basis.

To learn more about your Allstate Motor Club options, call 1-800-998-8697.

show less

Does Geico have free towing?

Yes, Geico does offer free towing for customers who have the company’s roadside assistance coverage. Geico roadside assistance generally costs $14 per vehicle per year and includes towing services to the nearest repair facility. Geico customers can request roadside assistance online, or they can call 1 (800) 424-3426.

What Geico Roadside Assistance Covers... read full answer

Towing services to the nearest repair facility

Battery jump starts

Tire changes

Up to one hour of lockout services

Winching

Fuel delivery

While Geico’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.