Written by Q: Do I need towing coverage on my car insurance policy or is it a waste of money?
AIS Answer: Only you can really answer that question, but here’s a few questions to ask yourself to help make a better decision.
Do you already have towing coverage through a company like AAA?
Many companies offer roadside assistance (which includes towing) as a special plan, like AAA for instance. And some insurance companies even give you this coverage for free, or a small fee around $30/yr. Look at your auto insurance policy to see if this coverage is already included.
How much would the extra towing coverage cost you?
You’ll also want to weigh the cost of a tow in your area and see if you’re paying more per year for this coverage than it would cost for a local tow. It may turn out that you’re spending more over the years for this coverage than it would cost for a tow, or you may realize that the extra tow coverage is really a bargain.
Do you travel often?
You may find that if you’re a person that travels frequently, having a good roadside plan is a smart move. A roadside assistance plan like AAA offers may fit your needs more because you’ll have both roadside assistance anywhere in the U.S. AND you get many discounts (hotel rates, etc) that many auto insurance companies could not match or offer.
Ultimately, it’s up to you whether you purchase or keep towing coverage on your auto insurance policy and you should speak with your insurance company about the towing coverage, or any other coverages before making a decision on changes to your policy.
yeah I never get teh towing on my car. I have AAA, and AAA is the best.
towing coverage is a scam