Usually it doesn’t cost much extra premium to buy auto insurance with Roadside Assistance. Sometimes they may even add it free to sweeten policy sales. But is it a good idea? It is hard to argue with a free or negligibly priced cover. On the other hand, well-known Breakdown Services have vans, trained mechanics and they are always patrolling in the area or sitting around the corner waiting for calls. However, carriers cannot have them because it isn’t their business. Then, what are they proposing to offer?
These are some of the questions you should consider before making a choice. You may even decide on buying both Roadside Assistance from an insurer and Recovery from an AAA equivalent. It is a viable option since they are not too expensive and highly valuable, especially if you are anticipating problems due to owning an older vehicle or any other reason.
Generally, vehicle insurers provide limited Roadside Assistance. They offer towing help, bring gas to you if you run out or send a locksmith if you left the keys inside the car. They do not have mechanics who are capable of fixing a problem there and then and let you go on your way. They may not be on standby 24 hours a day or scarcely available in some areas.
This makes people think of buying a separate Recovery Coverage from one of the well-known names instead. It is priceless to see someone turning up to help you with van full of gadgets and tons of knowledge. Seeing the mechanic’s van would make you happier than seeing a friend in that moment.
It is probably no brainer to choose one of the fairly cost effective options instead of relying on calling a friend or family member. It is not really worth taking a chance considering how cheap and valuable they can be. So, it is worth having them even if you have a brand new auto and not worried about a thing. You never know what happens out there and this is the whole point behind their existence.
There is another reason you may like to know and be cautious about. Motorists are afraid that automobile insurance companies would keep tabs on them if they buy Breakdown Coverage from them. If you call them too many times they may increase the premium. It is not usually expected. However, they are known to look deeper when a policyholder starts filing claims even if they are small each time.
It is always good to check what you are getting even it is offered to you for free. Naturally, level of help afforded would be different depending on the source. What you don’t want to do is to rely on it not to purchase a good Recovery contract and find out you don’t get what you need when you call them. That would be a real let off.
It is probably best to check the provisions offered by the current carrier first and compare it with an independent Recovery Service. Certainly, the packages you can choose will be much wider with names like AAA in comparison with most car insurers.