Does Nationwide 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, Nationwide does not offer mechanical breakdown insurance. Mechanical breakdown insurance (MBI) is a specialty type of car insurance coverage that is only available from some insurers, and it pays for repairs that are not related to routine maintenance, wear and tear, or an accident. For instance, MBI often pays for transmission failure or engine problems.... read full answer

The cost of mechanical breakdown insurance varies depending on the car, but the average MBI policy costs about $100 per year. Consequently, mechanical breakdown insurance is a good alternative to an extended car warranty, which typically costs around $1,500 total.

Although Nationwide does not sell mechanical breakdown coverage, drivers can purchase MBI from companies such as Geico. For more information, check out WalletHub’s complete guide to mechanical breakdown insurance.

Nationwide roadside assistance costs about $23 for the basic plan and $42 for the plus plan. Nationwide 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. Exact prices may vary depending on the state and the covered vehicles.... read full answer

Nationwide Roadside Assistance Includes:

• Lockout services
• Jump starts
• Ditch extraction
• Fuel delivery
• Tire changes
• Towing up to 15 miles (up to 100 miles for plus members)
• Trip interruption (only for plus members)

Nationwide 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 a Nationwide 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.