Ready availability of these services by auto insurance companies appears to be very attractive for motorists. According to recent studies around fifty percent of motorists like to see this facility available within their policy. This will be handy and reduce administration. You do not need to worry about who provides what. When you have car related troubles you call your insurer.
Choices of Providers
However, motorists should remember that there are several other providers of these services. Depending on where you buy them the level of service provided can be considerably different as well. You can buy it from your insurer, an independent specialist companies like AAA or even from your supermarket. Drivers are spoiled for choices as usual.
So, a little consideration would be helpful when you come to need them. Generally, new automobiles should not have many mechanical breakdowns. Also, it can be reduced by regular maintenance. Older and not well looked after vehicles may experience a lot more mechanical breakdowns. This point may be important in your choice of the company.
Assistance or Recovery
Companies like AAA are long established roadside breakdown providers. Their mechanics can fix most problems on the road allowing you to carry on your journey and giving you time to arrange the permanent fixes. Sometimes they fix the problem permanently and other times they do enough to get you going. If you believe you would need highly trained mechanics to attend a breakdown on the side of the road you should not be tempted to buy this cover from your insurer.
Most auto insurers provide roadside assistance but they are unlikely to be as good as pure roadside breakdown service providers. You need to keep this in mind. Still they can be highly effective in bringing you petrol if you run out or unlock your car if you left the keys inside. They can arrange towing as well. Sometimes this may be all you need. Instead of an unknown mechanic fiddling with your vehicle on the roadside you may want it to be taken to nearest authorized garage.
However, there is another problem with buying this coverage from auto insurers. They will be keeping an eye on your roadside recovery claims. When the number of call outs to fix your car one way or another you will trigger an internal red flag within your company. If you have an accident as well in the same time they will have to think that you are not being careful or not looking after your vehicle anymore. These are good reasons to take away your good driver discounts.
Also, any towing is done by the auto insurers go down as accident related towing. On the contrary breakdown service providers do not have to record any towing. This information (or lack of it) can be important when you are getting alternative auto insurance quotes.
As you can see there is more to it than you might have thought. Even you do not think you would need such services you should at least have it included in your auto policy. One towing can cost you more than 5-6 years of roadside assistance membership. Keep that in mind. And you may be able to get it free or next to nothing with some insurers anyway.
Another issue is of course finding cheap auto insurance coverage and this site can help you. We have a few articles on the subject and you can get a few quotes from our panel of insurers to compare your options. It is always a good idea to have a look at your options carefully as discussed above.