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

Yes, USAA offers discounts on rental cars from Enterprise, Avis, Budget and Hertz Car Rental. The exact amount of a USAA rental car discount depends on factors such as the type of car and the length of the rental period, but USAA customers can save up to 25%. In order to get a discount, you will need to provide the rental car company with your USAA policy number.… read full answer

USAA Rental Car Discounts

Can I Use USAA’s Insurance for My Rental Car?

If you have liability, comprehensive, or collision coverage on your USAA policy, they will transfer to your rental car. Your rental car will have the same coverage limits as your personal car. As long as the car you’re renting is of similar value to your own, you can probably skip the rental company’s coverage. You’ll also want to pass on rental insurance at the counter if you plan to use a credit card as secondary coverage.

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. Sometimes called towing and labor coverage, 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.

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. When purchased as an add-on, towing coverage 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

If you don’t have towing and labor coverage 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, USAA 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 USAA 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.