What This Coverage Includes
- Towing (usually up to specified distance/miles)
- Lockout service
- Dead battery jump-start
- Flat tire change (using your spare)
- Emergency fuel delivery (you pay for fuel)
- Extrication if stuck in snow/mud
What This Coverage Does NOT Include
- Major mechanical repairs
- Towing beyond specified distance (long-distance towing extra)
- Services for non-covered vehicles
When This Coverage Makes Sense
- Older vehicles prone to breakdowns
- No existing AAA or similar membership
- Drive frequently in remote areas
When You Might Skip This Coverage
- Already have AAA or equivalent
- Newer vehicle with warranty roadside
- Multiple family members with overlapping coverage
Cost Considerations
Typical Additional Cost: $10-30 per year (per vehicle, usually)
Premium costs vary significantly by location, vehicle, driver profile, and chosen limits. The figures above are national averages and should be used only as rough guidance. Get actual quotes for accurate pricing.
Frequently Asked Questions
This depends on both the specific coverage type and your state. Some coverages (like liability) are required in nearly all states. Others (like collision, comprehensive, or gap insurance) are optional but may be required by your lender/lessor if you finance or lease your vehicle. Check our state-by-state minimum requirements guide for specifics.
In most cases, yes. You can add, remove, or adjust optional coverages (collision, comprehensive, roadside assistance, etc.) at any time by contacting your insurer. Changes typically take effect at your next renewal, though some adjustments can be made mid-term with possible prorated refunds or additional charges. Required coverages (like state minimum liability) cannot be dropped below legal minimums.
This information is educational only. Coverage details, availability, and costs vary by insurer and state. Always review actual policy documents before purchasing. Consult licensed professionals for advice specific to your situation.