Yes, USAA does cover a locksmith for keys locked in a car through its roadside assistance program. In addition to locksmith services, USAA roadside assistance also covers jump starts, flat tire changes, and gasoline delivery.
You can get USAA roadside assistance as a policy add-on for $20 per month.
If you do not have roadside assistance, USAA won’t cover a locksmith if you get locked out of your car. In that case, you will have to contact a locksmith yourself and pay for it out of pocket.
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
USAA Customer Discount
up to 5%
up to 25%
up to 25%
up to 25%
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. 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)
Jumpstarts and battery replacements
Fuel delivery if you run out of gas
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, 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.
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.