Progressive does not currently offer mechanical breakdown insurance coverage. Mechanical breakdown insurance is normally used to help pay for major auto repairs that were not caused by an accident or vandalism. This includes large repairs necessary due to engine or transmission failure, for example.
Mechanical breakdown insurance does not cover routine car-maintenance expenses – such as oil changes and tire rotations – or damage caused by either poor maintenance or accidents. Sometimes, insurance companies also limit which cars can qualify for mechanical breakdown coverage. Many do not offer this coverage for older cars, or cars that have more than 15,000 miles on them.
Most major auto insurance companies have mechanical breakdown insurance available as a policy add-on, but not all of them do. Progressive, Nationwide and Esurance are among the most popular car insurance companies that do not offer mechanical breakdown coverage.
Progressive instead offers roadside assistance as part of its additional coverage options. Progressive’s roadside assistance program costs about $16 a year, which is slightly more than Geico and State Farm charge, but less than other competitors. In order to get roadside assistance, you will need to first purchase comprehensive and collision insurance.
Once enrolled, it’s simple to use. You can simply call 1-800-776-2778 at any hour or day of the week. An agent will confirm your coverage, location and breakdown problem in order to dispatch a professional to help.
What Progressive roadside assistance covers: Through its roadside assistance program, Progressive pays if your car breaks down for any reason, both on the road or in your driveway. The company will pay to tow your car to any repair shop within a 15-mile radius of where your broken-down vehicle is located, and for up to 1 hour of repair labor. If your repair takes longer than an hour, you will have to pay the difference. Additionally, this coverage pays for lock-out service, flat-tire changes, winching, and battery jumpstarts. It also covers fuel and fluid delivery, if you run out of gas.
What roadside assistance does not cover: You are responsible for paying for any parts necessary to repair your vehicle, including the cost of fluid or fuel that might need replacement, as the program doesn’t cover these. If you choose a repair shop located far from your car, or repairs take longer than an hour, you will be required to pay the difference.
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.