Does Esurance cover a locksmith for keys locked in a car?

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 ... read full answerroadside 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.

No, Esurance does not cover formerly salvage-titled vehicles. Because having a previous salvage title greatly diminishes a car’s value, Esurance and many other insurers will not provide coverage, even if the vehicle has been rebuilt, inspected, and issued a rebuilt title.

A car is given a salvage title when an insurance company declares it a total loss, meaning that it is unable to be repaired or the cost of repairs exceeds the vehicle’s value. If the car is later repaired and deemed safe by an inspection, the salvage title will be replaced with a rebuilt title. Some insurance companies are willing to cover rebuilt vehicles, but Esurance is not among them.... read full answer

Esurance roadside assistance costs about $12 annually, though pricing varies by state, though exact prices may vary depending on the state and the covered vehicles. Esurance roadside assistance is an optional endorsement that customers can add to their car insurance policy and use when they need emergency towing, fuel delivery, and more.... read full answer

Esurance Roadside Assistance Includes:

• Towing (to the nearest repair shop)
• Gas delivery
• Flat tires

Esurance roadside assistance is meant to help drivers in need of immediate rescue, but it usually does not pay for the underlying problem, such as engine repairs or a battery that needs replacing. Additionally, the exact number of incidents covered by an Esurance roadside assistance plan will vary by state and policy.

Purchasing roadside assistance from your car insurance company is usually less expensive than a motor club membership from a company such as AAA. However, it might not provide as much coverage. For more information about choosing between roadside assistance options, check out WalletHub’s guide to the best roadside assistance.