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With typical driving, a car battery usually has a lifespan of three to five years before you need to replace it. But what if you park the car and just leave it there? How long would the car battery last without driving or charging?

Read on about the various scenarios to help you gauge how often you may need to start your car to prolong its battery life.

How Long a Car Battery Lasts Without Driving

Although no two vehicles or batteries are exactly the same, you can make an estimate. If you’re wondering how long a car battery typically lasts when the vehicle sits idle, here are some broad averages.

Although many things wear down with use, a car’s battery can die within four weeks to two months if it’s not used. Here’s why. Your car battery takes chemical energy and transforms it into electrical energy when you start the ignition. That electricity then powers the radio, clock, and other accessories.

When you park your car for an extended period, the battery can die — meaning it loses its charge and stops working.

As for how long an electric car battery lasts, the answer is around a few months, depending on certain factors. Electric cars are fueled solely by electricity stored in the battery. Teslas, for example, are all-electric. If the battery is in good shape and fully charged, it may take up to three months to lose power, losing 1% per day.

Then there are hybrid cars, which are fueled by a combination of electricity and gasoline. How long a hybrid car battery lasts when not in use depends on the battery. Vehicles with 12-volt batteries may drain more quickly (in one month) than other kinds. See your owner’s manual for guidance.

Recommended: Does Auto Insurance Roadside Assistance Cover Keys Locked in a Car?

What Can Drain a Car Battery When the Car Is Off?

Older batteries won’t hold their charge as long as new ones, but there are many other reasons for a battery to drain faster:

•   Electrical problems, such as bad cables, blown fuses, and spark plugs

•   Corrosion on the battery

•   Alternator problems

•   The charging system itself

If you suspect one of these issues, look into saving on car maintenance costs.

How to Save a Car Battery When Not in Use

Using your car lets it convert chemical energy into electrical energy. If your car will be sitting idle for a while, it’s a good idea to take it out for a 30-minute drive once a week to allow the battery to recharge.

Simply turning the ignition on and off isn’t enough, and it may even cause more harm than good. If you’ve got two cars at home and use one as your primary vehicle, consider using the other one more often.

Recommended: How to Lower Your Car Insurance

How to Keep a Car Battery Charged When Not in Use

To keep your batteries in good shape when not in use, consider using a trickle charger. These devices, which remain attached to the car, recharge the battery at the same rate that it typically drains. There are different types of chargers, so make sure you get the right one for your car model and learn how to use it.

Steps to Take if a Car Battery Is Dead

If you accidentally leave the lights on (or some other accessory), you probably just need to juice up the battery again.

When there’s no obvious reason for a drained battery, check for corrosion on the terminals that connect the car battery to the charging system. If you see white deposits, try brushing the ashy material off with a wire brush and baking soda.

If the first two scenarios don’t apply, you may have a defective battery or other faulty or worn-down parts, such as a battery cable, terminals, or alternator. In that case, you’ll need the parts repaired or replaced.

How Much Replacing a Car Battery Costs

If you go the DIY route, a new battery can cost between $90 and $200. If you hire a mechanic to have the work done instead, it may cost an additional $45-$250, depending on the make and model and the mechanic’s rates. However, that price can skyrocket if you’re dealing with a hybrid car battery, which can run anywhere from $2,000 to $8,000.

Keep in mind that battery replacement and other routine car maintenance costs aren’t covered by car insurance. To learn more, check out these insurance tips for first-time drivers.

How to Jump-Start Your Car With Cables

When you jump-start your car, you use the power from another car battery to give yours a jump to get it running again. (If a jump start doesn’t work, you probably need a new battery.)

First, park the two cars close together, turn them both off, and open the hoods. Take out your jumper cables and untangle them. Hook one red/positive clamp to the positive terminal of the battery that needs a charge. Then, attach the other red clamp to the working battery’s positive terminal.

Take the black/negative clamp and connect it to the negative terminal of the working battery. Attach the other black/negative cable end to a surface on the car with the dead battery — somewhere that’s metal and unpainted.

Start the working car, and then try starting the other car. Turn off the working/jumper vehicle. Carefully remove the cables in the reverse order that you attached them. Let the car with the newly charged battery run for at least 15 minutes.

Some insurance policies cover jump starts as part of their roadside assistance option. When deciding how much car insurance you need, weigh the cost of this extra against the added convenience.

How long the battery charge lasts can vary. If it dies again, have your battery checked to see if it needs replacement.

How to Know When a Car Needs a New Battery

Here are some signs that your car battery may need replacement:

•   The battery no longer holds a charge for long.

•   Your car doesn’t start as easily as it used to or shuts down after starting.

•   The battery smells bad.

•   The battery case is swollen or bulging.

•   It’s been a while since you replaced it. (A good rule of thumb is to refresh the battery every three to five years.)

Car Insurance Resources

As mentioned above, some car insurance policies offer roadside assistance options. The next time you’re sitting down for a personal insurance planning session, consider the pros and cons of these kinds of extras.

To find the best rates you’re eligible for, shop around on an online insurance marketplace.

The Takeaway

How long a typical car battery lasts depends on factors such as how often you drive your car or charge the battery, how old the battery is, and the type of battery you use. That said, a new car battery should last about four years on average. The cost of a new battery can be as little as $90 if you replace it yourself. Otherwise, a mechanic may charge you hundreds of dollars more. Keeping your battery free of corrosion may extend its life and protect your investment.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

How long does a car battery last without charging?

A car battery can last around four years if you’re regularly using the car. If you leave the lights on or park the car for an extended period, then it may need charging before you can drive it. A trickle charger can help maintain the battery in a car that’s in storage.

How often do you need to start your car to keep the battery from dying?

A car battery can often stay in good shape for a month even when you don’t drive the vehicle. However, if you want to make sure the car is ready to use in case of an emergency, take it for a 30-minute drive once a week.

How long can a car last on just the battery?

If your alternator fails when you’re on the road, you may still be able to drive on just the battery. The amount of time you have before your car dies depends on a number of factors, including how much charge your battery has. Of course, it’s best to get the alternator repaired or replaced as soon as you can.

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Photo credit: iStock/Fernando rodriguez novoa

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-059

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Condo loss assessment coverage is an optional add-on, or endorsement, for a standard condo insurance policy that helps pay for special assessments. Special assessments are fees your condo association may pass on to unit owners when the condo’s shared insurance (master policy) isn’t enough to pay for a major claim.

How Loss Assessment Coverage Works

Loss assessment coverage helps pay for special assessments levied by your condo owners association (COA) following a covered insurance claim.

For instance, assume your condo’s master insurance policy has a $500,000 limit, but a massive fire destroys the condo’s lobby, gym, and elevator shaft. All told, the repair costs are $650,000. That means $150,000 of repair costs aren’t covered by insurance. Rather than pay from its cash reserves, the condo association passes that cost on to the condo unit owners, evenly distributed.

In this example, assume there are 15 unit owners in the condo community, including yourself. The $150,000 would be split among the 15 of you, meaning you personally would be responsible for paying a $10,000 special assessment. If you have loss assessment coverage added to your insurance policy, you can file a claim with your policy to pay your fee, rather than pay out of pocket.

What Types of Claims May Trigger a Loss Assessment

There are two types of claims — and one additional factor — that might trigger a special assessment, also called a unit assessment, from your condo association:

•   Property damage claims

•   Liability claims

•   High deductibles for coverage

Without loss assessment coverage, you’d have to pay for any special assessment out of pocket.

Property Damage to Common Areas

If a common area of your condo is damaged due to a covered peril, but the repair costs exceed your condo’s master policy limits, the condo may issue a special assessment to condo owners to cover the excess costs.

Common areas don’t simply refer to the lobby, pool, and elevator, but can also include shared structural elements, such as the roof, siding, and walkways.

Examples of property damage might include:

•   A fire in the elevator shaft and lobby

•   A burst pipe in the gym that destroys the equipment

•   Theft in a shared business center

•   Severe vandalism at the pool

•   Wind damage to the roof

Liability Claims Against the Association

Similarly, if a non-resident is injured in a common area of the condo and incurs high medical costs, that person may pursue legal action against the condo. Examples of injuries include a slip and fall at the pool or a bike accident in the parking lot.

If the condo’s master policy limits aren’t high enough to cover court fees and awards, the COA may pass on the costs to condo unit owners via a special assessment.

Master Policy Deductibles

Condo master policies generally have high limits, but given the level of coverage they provide, they often have high deductibles, too, e.g., up to $30,000. In the event of a claim, the condo association may not have the funds available in cash reserves to pay for the deductible; instead, the COA is within its rights to issue a special assessment to owners to pay for the deductible.

Recommended: What Does Homeowners Insurance Cover?

Coverage Limits and Exclusions

While a standard condo insurance policy often comes with $1,000 in loss assessment coverage, the additional coverage you can purchase can add significantly higher limits. These coverage limits will vary by insurer, but it’s typically possible to get additional coverage between $10,000 or even $100,000.

Keep in mind, loss assessment coverage only applies to covered claims—whether it’s because the master policy’s limits are too low or the deductible is too high. That means capital improvements are excluded.

Capital improvements are what your COA makes to keep the property operational and inviting. For instance, the association may improve the landscaping, install a gym, or replace an aging roof. Typically, a condo owners’ association will draw from its cash reserves (generated from condo dues and maintenance fees) to fund these improvements, but if there’s not enough cash, the COA may issue a special fee to unit owners. Loss prevention coverage would not apply in this scenario.

How Much Loss Assessment Coverage Do You Need?

A standard condo insurance policy may come with $1,000 of loss assessment coverage, but there’s a good chance that won’t be enough. In that case, you’ll want to purchase additional loss assessment coverage for the condo as an endorsement to your policy. But how much more do you need?

The short answer: The amount of loss assessment coverage you need depends on your condo’s specific details.

More specifically, three factors can help you determine how much additional condominium loss assessment coverage you should purchase:

•   The number of condo owners: The total cost of a special assessment is divided by the number of condo unit owners and distributed evenly. If your COA has a large number of owners, each special assessment will be divided among more people, making your contribution smaller. But if you live in a community with only a few owners, each unit assessment could be larger, meaning you’d want more coverage.

•   The master policy deductible: Ask your COA what the standard deductible is on the master policy. The larger the deductible, the more you might have to pay. In fact, if you know the deductible size and number of owners, you can easily calculate what you might pay if the COA levies a special assessment to pay for a deductible. Simply divide the deductible amount by the number of unit owners; that’s what you’d pay in this scenario. For instance, a $20,000 deductible split among 10 unit owners would cost each person $2,000.

•   The master policy coverage limits: You can also ask the COA to share details about coverage limits for the policy. If the coverage limits seem low, there’s a greater risk the policy won’t cover a claim fully, and the cost will be passed on to you.

Recommended: How Much Is Homeowners Insurance?

The Takeaway

If you live in a condo, it’s recommended that you purchase condo insurance to protect yourself financially in the event your unit is damaged or someone is injured in your home. But a standard policy may not be enough. For more robust protection, you could add loss assessment coverage to your policy to ensure you don’t have to dig deep into your pockets if, for example, your condo owners’ association suddenly hits you with a special assessment fee.

If you’re a new homebuyer, SoFi Protect can help you look into your insurance options. SoFi and Lemonade offer homeowners insurance that requires no brokers and no paperwork. Secure the coverage that works best for you and your home.

Find affordable homeowners insurance options with SoFi Protect.

FAQ

Are there limits on how much an insurer will pay per assessment?

Limits for loss assessment coverage vary by policy and insurer. Work with your agent to determine the right amount of coverage for you. Remember: If a special assessment fee exceeds your coverage limit, you’ll have to pay the rest out of pocket.

Does loss assessment coverage apply to co-op owners?

Co-ops can be covered by a standard condo insurance policy, and co-op owners can similarly purchase additional loss assessment coverage for the policy. Work with your co-op management board to understand what protections you might need as an owner.

Can you increase your loss assessment coverage after buying a policy?

Most insurers allow you to update your coverage at any time, even in the middle of a policy. However, if you increase your loss assessment coverage on a condo policy, you should expect a higher premium, which you’ll need to pay to your insurer.

What happens if multiple assessments occur in the same year?

Much like a standard homeowners insurance policy, loss assessment coverage limits should be per occurrence, not per year or per policy term. However, you can check your specific policy to understand max coverage limits and claim amounts.

Does loss assessment coverage apply if you rent out your unit?

Yes, loss assessment coverage should apply even if you rent out your condo. However, rather than a traditional condo insurance policy, you may need to carry a landlord insurance policy. You can find insurers that offer specific landlord policies for condos.

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Photo credit: iStock/ArLawKa AungTun

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

This article is not intended to be legal advice. Please consult an attorney for advice.

SOPRO-Q126-080

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When something goes wrong with their car on the road, most people have two options: call an emergency towing service or contact their roadside assistance program. Those choices may sound like the same thing, but there are important differences.

Read on for a breakdown of what you can expect from each of these services, including their pros and cons and average costs.

What Is Roadside Assistance?

If you’re stranded on the road, roadside assistance will send a mechanic, a locksmith, or a tow truck to get your car up and running, to a repair shop, or to your home.

Roadside assistance packages vary from one provider to the next, but most include the following:

•  Flat tire change

•  Battery jump-starts

•  Fuel delivery

•  Lockout assistance

•  Winching/extrication

•  Quick-fix services

Any benefits you receive on top of these basics are determined by your roadside assistance plan. For example, some plans include trip interruption coverage or a guaranteed arrest bond if you’re charged with a traffic violation. Premium plans may also offer savings on car maintenance costs, car rentals, hotels, and other perks. Extra benefits may come at an extra cost, however, so it’s important to compare plans carefully.

There are a few different ways you can get a roadside assistance plan:

•  Many insurance companies offer some type of roadside assistance coverage, usually as an add-on to your auto insurance policy. If you’re concerned about cost, there are other ways to lower car insurance premiums.

•  Another option is to pay for an auto club membership separately from your auto insurance.

•  Your car manufacturer may include a roadside assistance package as part of your warranty or as a limited free trial for a service that you can later purchase.

•  Some credit card companies offer access to roadside assistance as a cardholder perk.

Recommended: Why Personal Insurance Planning Is Important

What Can You Expect When Calling Roadside Assistance?

One of the benefits of participating in a roadside assistance program is that you’ll know exactly who to contact if you need help with your car. You can program the customer assistance number into your phone, download the program’s app, or tuck your membership card into your wallet or glove compartment.

Here’s what to expect when you call roadside assistance.

Calling for Help

First things first: If your child is locked in the car or you’re in a situation where you feel unsafe, you may want to first call 911. The 911 dispatcher will determine whether to send an officer to help.

If you’re not in any danger but facing issues with your car, you can just call roadside assistance. You may be asked to verify that you have an account or that the car is yours, so have your license and registration, proof of insurance, and your roadside assistance plan’s membership card on hand.

Your roadside assistance dispatcher will send the appropriate help from a network of service providers to your location. A technician may try to fix your car on site. But if that isn’t possible, they can tow your vehicle to a repair shop or to your home if you prefer and it’s within your plan’s mileage limit.

Getting Home

If your car needs towing to a repair shop, you may be able to ride with the tow truck driver. However, whether you get a ride home after depends on the company’s policy.

If you’re out of town when your car breaks down, roadside assistance with optional trip interruption coverage may pay for an overnight stay in a hotel. (If you travel a lot, you may want to check if this benefit is available when you’re comparing plans.)

Wait Times

Many roadside assistance programs work with a network of providers, so when you call, there may be someone nearby who can get to you quickly and offer the services you need. Generally, you can expect help to arrive in less than an hour.

Several factors can impact your wait time, however. If there’s heavy rain, wind, or a snowstorm, for example, you may have a longer wait. It can also take a while to get help if you’re in a rural location that’s far from a locksmith, mechanic, or towing service — or if you’re in a big city during rush hour.

Some plans provide updates through texts or an app so callers can track their wait time in real time.

Payment

Payment to the service provider who comes to your aid depends on the plan you’re enrolled in. With some programs, if you use the toll-free number or an app and the dispatcher sends a technician to help, you may not have to pay anything upfront for covered services. But if you contact a tow service, mechanic, or locksmith directly, you’ll likely pay out of pocket and then submit receipts to your plan for reimbursement.

Some plans may not have a central dispatcher. In that case, you’d call a provider directly, pay for the services, and then file a reimbursement claim. No matter how your plan handles payments, it’s a good idea to have your credit card with you when driving.

There’s no deductible for roadside assistance, and most programs have very specific limits on what they’ll cover. For example, if a service technician delivers fuel to your car because you’ve run out of gas, the delivery may be free, but you may have to pay for the gas.

What Is the Average Cost of Roadside Assistance?

The price of a roadside assistance plan varies based on several factors, including:

•  How many vehicles or drivers do you want covered

•  Where you live

•  Whether coverage occurs through your auto insurance or another source

•  The level of coverage you choose

Some plans may charge less for annual coverage and more for services received or vice versa. It can be useful to compare online insurance benefits and quotes to get a sense of what’s available and at what cost.

Generally, you’ll pay less for a plan that’s an add-on to your auto policy compared with a stand-alone membership. Allstate, for example, offers a roadside assistance insurance add-on for as little as $59 per year for one vehicle. Without an Allstate policy, the cost of a roadside assistance membership starts at $73 for the first year.

If your insurer doesn’t offer 24-hour roadside assistance or if you don’t like your insurer’s plan, you may want to check out what other insurance companies are offering.

Pros and Cons of Roadside Assistance

One of the biggest pros of roadside assistance coverage is that you know you’ll have someone to contact whenever you run into car trouble for advice or hands-on assistance.

As noted above, some plans will post a bond if you’re charged with a traffic violation or reimburse you (within limits) if you need to stay in a hotel overnight. Plans may also include benefits that go beyond roadside breakdowns, such as discounts on travel and entertainment.

Even if you call roadside assistance only once, you may save enough on the services rendered to cover your cost for the year.

Still, no one likes the idea of paying for something they may never use. If you have a newish car that’s well-maintained or you seldom drive far from home, you may decide roadside assistance isn’t for you.

Coverage limits can also be disappointing. Enrolling in a roadside assistance plan doesn’t mean you’ve got a blank check that will cover any cost you incur. You may have to pay a certain amount to have your car towed if you go beyond the mileage limit, for example, or you may have to pay for a new battery or tire if yours needs replacing. There may also be an annual limit on the number of calls for service that you can make.

Also, not all costs are covered upfront. Your plan may require you to submit receipts for reimbursement in some or all instances. If you’re averse to paperwork, that may be something to consider.

What Is an Emergency Towing Service?

The main purpose of emergency towing services is to move a vehicle when the driver can’t get back on the road. Several circumstances might require an emergency tow, including:

•  When you’re in an accident and your car can’t be driven or you’re in no shape to drive

•  If your car isn’t running, and it’s blocking traffic or putting you and other drivers in danger

•  If the police pull you over and determine that you’re in no condition to drive

There are a couple of circumstances in which your car insurance may pay for towing, even if you don’t have roadside assistance coverage:

•  After an accident, if you have collision coverage

•  If your car is damaged in a flood, fire, etc., and you have comprehensive coverage

But in most cases, if you don’t have roadside assistance or towing and labor coverage through your auto insurance policy, an auto club membership, or a car warranty, you’ll be liable to pay for your vehicle’s towing.

What Can You Expect When Calling an Emergency Towing Service?

If your car breaks down close to home, you may be able to directly call a reliable repair shop or towing service you’ve worked with in the past. Having that connection can be a benefit if you want to choose a company that can quickly help you.

But if you’re far from home and unfamiliar with the service providers available, you may have to cross your fingers and hope for the best when you call a towing service.

Here’s what you can expect when you call for emergency towing without a roadside assistance plan.

Calling for Help

If your regular mechanic or garage has the right equipment for your needs (a tow truck, a flatbed trailer, a winch, etc.), you may be good to go. They can pick up your car and get you the help you need.

But if you can’t call your favorite repair shop — because you’re out of town or it’s after hours — you may have to make a few calls before you find the appropriate help.

Some companies don’t require a subscription to use their towing and roadside assistance network, so you can try contacting them for help. But if their network doesn’t include services where you are, you may have to try your luck dialing local tow truck companies.

When a tow truck comes to your location, the driver may be able to offer on-site assistance with a flat tire, dead battery, or other problem. But you can’t necessarily count on getting the same help you’d get with a roadside assistance plan. The driver may be equipped only to tow your car back to your house or to a repair shop, and you can expect to pay in full for every service you receive if you don’t have roadside assistance coverage.

No matter who you call, it’s important to be clear about what you need. And of course, if you are in an accident or feel you may be in danger, you should call 911 first.

Getting Home

You may be able to get a ride home from the tow truck driver after they take your car to the garage. But as with a roadside assistance plan, it will likely be up to the individual driver’s discretion or company rules. If you aren’t sure if there will be a cost for the ride, you may want to ask before you get in the truck. And if you’re far from home, you also may want to ask for hotel recommendations.

Wait Times

Response times for tow trucks generally are determined by availability. If you call a tow company directly and there’s a truck close to your location, you may be able to get faster service than you would by calling a roadside assistance plan because you’re eliminating the middleman.

But the factors that can hold up a truck coming through a roadside assistance dispatcher can also delay a company you call directly, including inclement weather, rush-hour traffic, and distance.

Payment

If you call a tow truck directly, you can expect to pay the bill out of pocket. Depending on why you’re calling and the type of insurance coverage you have, you might be reimbursed for some costs. But if you’re calling about an overheated engine, a dead battery, or a flat tire and you don’t have roadside assistance coverage, your insurance company typically won’t reimburse you for the costs.

What Is the Average Cost of Emergency Towing Services?

Towing rates in the U.S. can range between $2.50 and $7 per mile, and the average cost of a tow is about $109. Besides distance, several other factors can affect the overall cost of a tow.

It may cost less to have your car towed after a breakdown than if you’ve been in an accident. And if the tow company needs to use special equipment because your car is stuck in mud, snow, or a deep ditch, for example, the cost may increase.

Many tow companies also include a base charge or hook-up fee that can range from $35 to $100. Some tow companies have a list of basic charges on their website, but if you can’t find pricing, you may want to ask to avoid surprises.

Pros and Cons of Emergency Towing Services

One of the biggest upsides to using an emergency towing service may be that you’re eliminating the middleman. You don’t have to wait for the dispatcher to find a network-approved provider to come and get you; you can call any company you like.

Of course, this can also be a drawback if you’re far from your favorite mechanic or repair shop. You may have to make multiple calls to find a tow truck that can come to your rescue.

Another plus to consider is that you won’t have to worry about paying for roadside assistance coverage every year, whether you use it or not. You’ll only pay for services you actually use.

But if you end up calling a tow truck even once and you don’t have coverage, it could cost you a substantial amount. You can end up paying more for that one tow than you would for a year of roadside assistance coverage — and you won’t be getting the perks.

How to Decide Between Roadside Assistance and Emergency Towing Services

Because there are pros and cons to both roadside assistance coverage and emergency towing services, here are some things you may want to look at when you’re trying to decide between the two.

Your Comfort Level

Are you someone who likes planning for when things go wrong, or are you OK with winging it? If you want the security of knowing you’ll have just one call to make if you need help on the road, you may prefer roadside assistance coverage.

Your Car

If your car is new or it’s well-maintained and the chances of a breakdown are slim, you may decide you don’t need to pay for roadside assistance coverage.

If your car is still under warranty, it may cover the cost of some roadside repairs. And if you have collision or comprehensive coverage through your auto insurance policy, towing costs may be paid in some circumstances.

Your Family’s Needs

If your car is an older model that isn’t exactly reliable or you have some first-time drivers in the family, and you want to feel confident they’ll know who to call (besides you) if they run into trouble on the road, consider getting new drivers’ roadside assistance coverage for the whole family.

Value

You may want to compare the costs of having a roadside assistance plan with the potential out-of-pocket expenses for a tow or other services. Can you afford a plan that fits your needs and budget? Can you afford not to have coverage? Keep in mind that if you use your plan just once, it may pay for itself for the year.

Recommended: Auto Insurance Terms, Explained

The Takeaway

When the unexpected happens on the road, you can wing it and call for a tow truck. Or you can contact roadside assistance and feel confident that someone will come help you out as soon as possible. What’s more, some or all of the cost of getting your car back on the road could be covered under your plan.

Many drivers consider roadside assistance a good deal for the money: The cost of just one tow is often more than the annual cost of roadside assistance. If you travel a lot or have young children or new drivers in the family, roadside assistance may be what you need.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

What is emergency roadside assistance good for?

Roadside assistance coverage can help you deal with and pay for a range of unexpected costs you might run into while on the road. These can range from fixing a flat tire on site to towing you to a repair shop for major repairs.

Is emergency roadside assistance worth it?

No one likes paying for something they may never use. But if your car breaks down just once, the convenience and savings you get through your roadside assistance plan may make it worth paying the annual cost.

What is the difference between emergency towing and roadside assistance?

Roadside assistance coverage is meant to help you get the service you need when you have car trouble — on the road or at a repair shop. Depending on the problem, roadside assistance may cover all or a portion of the costs. On the other hand, emergency towing is meant to get your car off the road and to a repair shop where it can be fixed. Generally, you can expect to pay for all the costs related to this service.

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Photo credit: iStock/sefa ozel

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-057

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Flat tires are one of the top reasons motorists call roadside assistance. Even when you know how to change a tire yourself, calling roadside assistance can be a good move. If you’re stuck on a dark or busy road or you have kids in the car, roadside assistance is safe and fast.

Roadside assistance plans are available from your car insurance provider, car rental companies, and other sources. We’ll explain how roadside assistance works, how much it costs for it to change a tire, and what else the service covers.

What Is Roadside Assistance?

Roadside assistance coverage is designed to help motorists experiencing a range of problems, from a dead battery to an overheated engine. You can call a toll-free number or use an app to contact your provider, and a dispatcher will send a qualified technician to your location. Depending on the services you require, your plan may cover all or part of the costs involved in getting your car back on the road.

You may be able to get roadside assistance coverage as part of your auto insurance policy. There are also auto clubs that sell subscription plans, or you may have a plan through your car warranty, credit card, car rental company, or another source.

If you’re one of many people who sit down annually for a personal insurance planning session, discuss this option with your insurer.

Recommended: Car Insurance Terms Explained

What Are the Benefits of Roadside Assistance?

Having a specific point of contact anytime you’re in need is arguably the top benefit of having roadside assistance coverage. This is especially important for first-time drivers. Instead of making multiple calls to find help from a nearby mechanic or garage, you can program your provider’s number into your phone or store it in your glove compartment with other relevant papers. If your provider offers an app, you can take advantage of that convenience.

With one call, you can get useful advice on what to do next. After assessing your situation, the dispatcher will get the appropriate service person out to help you. If your car can’t be fixed on site, you can get a tow to a repair shop — and that cost may be covered as well.

Some plans offer benefits such as posting bond if you’re charged with a traffic violation or reimbursing you if you’re away from home and have to stay in a hotel overnight. Plans also may provide discounts on oil changes, car rentals, hotels, and other perks. However, extra benefits may come at an additional cost.

Recommended: How Much Does Insurance Go Up After an Accident?

What Does 24-Hour Roadside Assistance Cover?

All roadside assistance programs are not the same, so it’s important to understand the coverage details and limitations of each plan you may be considering.

A plan may offer free fuel delivery, for example, for drivers who run out of gas, but typically there will be a charge for the gasoline received. Similarly, a plan may offer free lockout assistance, but a driver can expect to be charged if the locksmith has to make a new key. And there is usually a limit on how many miles a car can be towed for free.

Some plans limit the number of service calls you can make in a year. Plans can also have different rules regarding when a driver is or isn’t covered. With some plans, for example, you must be driving your own car when you call for assistance. But some plans will cover you even if you’re the passenger or driver in someone else’s car.

Programs generally include some type of coverage for the following.

1. Changing a Flat Tire

If you have a usable spare tire, your service provider likely can change a flat or blown tire on site. If not, they can tow you to someone who can help.

2. Vehicle Towing

If your vehicle can’t be safely repaired or restarted on site, roadside assistance can tow it to a nearby repair shop.

3. Battery Jump-Start or Replacement

Roadside assistance can give your dead battery a jump-start and, if that doesn’t work, tow you to a repair shop to get a new battery installed.

4. Lockout Assistance

If you’ve locked your keys in your car, roadside assistance can get a locksmith to help. Even if you’ve lost your keys, the service may be able to get you back in your vehicle and back on the road.

5. Winching Service

Your service provider may bring in a winch to extricate your car if it’s stuck in mud, ice, or a ditch.

6. Fuel Delivery

If you run out of gas, your provider can deliver fuel to your location. And if the battery in your electric car needs a charge, you can ask for a tow to the nearest charging station.

7. Quick-Fix First Aid

If you have a minor mechanical problem that can be fixed quickly, it may be possible to do so on-site. If not, the service can tow your car to a nearby repair shop.

Recommended: How to Lower Your Car Insurance

Auto Insurance Companies That Offer Roadside Assistance

Insurance companies that provide roadside assistance typically offer these services as an add-on to an auto policy. If you aren’t sure whether you already have roadside protection, contact your agent or log in to your account on your insurer’s website to get information about your coverage. The information may also appear on your insurance card.

If your car is damaged after an accident or in a flood or fire, your auto policy’s collision or comprehensive coverage may apply to your towing costs. But this is not the same as having roadside assistance or towing and labor coverage.

Here are a few insurance companies that offer roadside assistance.

Allstate

Allstate offers its 24-hour roadside assistance programs to both policyholders and non-policyholders. Costs and coverage vary based on the plan you choose.

Geico

Geico’s roadside assistance program is available to policyholders as an add-on, and it covers most of the basics other plans offer. The cost is determined by the number of vehicles you want to cover.

Liberty Mutual

To access Liberty Mutual’s 24-hour assistance program, which offers basic roadside services, you must purchase optional towing and labor coverage as an add-on to your policy.

Nationwide

Nationwide offers roadside assistance as an optional add-on for policyholders. The plan covers the same basic services offered by other insurers, but optional features and other program details may vary by state.

Progressive

Emergency roadside assistance for flat tires is available as an optional add-on for Progressive auto insurance policyholders. Progressive’s program covers service basics such as towing, jump-starts, flat tires, and lockout assistance.

State Farm

State Farm’s roadside assistance program is an add-on for policyholders. If you have this coverage and need assistance, State Farm will be billed directly for any basic services you receive, so you may not have to worry about turning in your receipts and waiting to be reimbursed.

How Much Does Roadside Assistance Cost for a Flat Tire?

The cost to get your flat tire fixed may depend on if you have a usable spare tire and other factors. If you have a good spare tire available, the roadside assistance technician may be able to change your tire on site and get you right back on the road at no charge.

If, for some reason, the tire can’t be changed on site and your vehicle must be towed to a repair shop, the tow charge will be based on mileage. Many roadside assistance plans will go 15 miles or to the nearest qualified repair shop for free. But if you ask to be towed to a shop that’s farther away, you may have to pay for any extra mileage.

When your car arrives at the repair shop, you can expect to be charged if you need any parts, repairs, or a new tire.

How Much Does Roadside Assistance Cost Without Insurance?

The most inexpensive way to get roadside assistance coverage is usually to have it included as an add-on through your auto insurance policy. Allstate, for example, offers its Roadside Advantage plan membership without an Allstate auto policy, starting at $89 for the first year.

If your insurer doesn’t have 24-hour roadside assistance, or if you don’t like the plan your insurer is offering, you may want to check out online insurance companies to see what’s available based on your budget and needs.

How to Change a Flat Tire Yourself

Even if you have roadside assistance coverage, it can be a good idea to know how to fix a flat tire — just in case you forget your phone or can’t get cell service when you run into trouble.

If no one ever taught you how to change a tire, you might want to practice sometime when you’re in a safe place and you’re not in a hurry or wearing nice clothes. There are plenty of YouTube videos on the topic, or you can ask someone who knows their way around a car for a demonstration.

Here are a few tire-changing basics.

1. Drive Prepared

Make sure your spare is in good shape and your jack, lug wrench, and owner’s manual are always in your car. You might want to keep rain gear, work gloves, a flashlight, and wheel wedges in your trunk as well.

2. Safety First

If you suspect your tire is flat, turn on your hazard lights and pull off to the side of the road — as far as you can. Once you’ve stopped, you can put on your parking brake and get out to inspect your car. If you do indeed have a flat, secure your tires with wheel wedges or a couple of large stones.

To change a rear tire, place the wedges before the front tires. To change a front tire, place the wedges behind the rear tires.

3. Remove the Hubcap or Wheel Cover

Consult your owner’s manual for instructions on removing the hubcap or wheel cover.

4. Loosen the Lug Nuts

Turn the lug nuts counterclockwise with your lug wrench. Getting them started may require some effort. Loosen the lug nuts about a quarter- to half-turn, but don’t take them off completely.

5. Put the Jack in Place

Check your owner’s manual for specific placement instructions.

6. Use the Jack to Raise the Vehicle

Carefully raise your car until the flat tire is about 6 inches above the ground.

7. Unscrew the Lug Nuts and Take off the Tire

Remove the lug nuts completely and put them in a safe place (a cup, envelope, hat, purse, etc.). Pull the flat tire toward you until it comes free and place it on the ground on its side.

8. Put on the Spare

Grab the spare tire and place it on the hub by lining up the rim with the lug bolts. Push gently until you can see the lug bolts through the rim.

9. Put the Lug Nuts Back in Place

Put the lug nuts back on the lug bolts and tighten them by hand.

10. Lower the Car and Tighten the Lug Nuts Again (and Again)

Lower the vehicle until the tire is touching the ground, but don’t let it down all the way yet. Tighten the lug nuts with the wrench as tightly as you possibly can, then lower the car all the way to the ground and remove the jack. Tighten each lug nut again with the wrench to be sure they’re all as secure as possible. Replace the hubcap (only if you can and want to), or put it in the trunk with the flat tire.

11. Stow Your Stuff

Congratulate yourself for being prepared, and be sure you put everything back in the trunk before you pull away. If you have a tire gauge, check to see if the spare has plenty of air (temporary spares typically require 60 psi). If the pressure is low, drive with caution to the nearest repair shop.

12. Get Your Damaged Tire Repaired

Spare tires aren’t meant to be driven on for long. Get your car to a tire shop or garage as quickly as possible to buy new tires or get your old tire patched.

Should You File an Insurance Claim?

It can be convenient and less expensive to purchase roadside assistance coverage as an add-on to your car insurance policy. But keep in mind that when you use your insurer’s plan — even for a flat tire — it can count as an insurance claim.

Though occasional use likely won’t cause your insurer to drop you or raise your auto insurance rates, if you make several roadside assistance claims over a short period, it could affect your overall policy. You might want to ask your insurance agent if multiple roadside assistance claims could be a problem (and get it in writing if the answer is no).

Do Insurance Policy Deductibles Apply to Roadside Assistance Claims?

Even with roadside assistance coverage, you could end up having to pay some out-of-pocket costs. And if your auto insurance policy has a deductible that applies to roadside assistance claims, you might have to pay that amount as well. This could be another topic to cover with your insurance agent. Read more about the different types of deductibles.

The Takeaway

Roadside assistance can cover a range of problems you might have on the road — from fixing a flat tire to unlocking the car to jump-starting the battery.

Insurance companies typically offer roadside assistance as an add-on to an auto policy. Plans may look pretty much the same from one company to the next, but it can be a good idea to look beyond the basics to find the level of coverage and other benefits that are a good fit for your needs and budget.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

What should I do if my tire is flat?

If you know how to change a tire and you can pull off the road to a safe place, you might want to tackle the job yourself. But if you aren’t prepared to DIY, you can call roadside assistance instead. A technician may be able to change your tire on site and get you back on the road as part of the service covered by your policy.

Will 911 help with a flat tire?

If your tire is flat and you’re in potential danger or blocking traffic, the safest move is to turn on your flashers and call 911 for assistance. The 911 dispatcher will then assess your situation and determine whether to send help. If you don’t feel you’re in danger or that your car has become a hazard to others, you can call your roadside assistance company’s toll-free number for help.

Can you drive a couple of miles on a flat tire?

Driving on a flat tire, even for a short distance, can further damage the tire and possibly the rim. If you can turn on your hazard lights and drive slowly to a safer location, that may be your best option, but you should try to limit the distance you travel.

How much does it cost to put on a spare tire?

If you have roadside assistance coverage, it may not cost you anything to have your flat tire replaced on site with your spare. Depending on your policy or coverage level, you may be charged for repairs or towing fees if the tire can’t be fixed on site.

Should you tip roadside assistance for a flat tire?

There’s no obligation to tip any service provider your roadside assistance plan sends to help you. However, just as with any service, if you feel that person went above and beyond, you may want to show your gratitude with a tip.

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Photo credit: iStock/okugawa

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-061

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Think of 24-hour roadside assistance coverage for your truck or car as having an extra tool in your emergency kit. Roadside assistance can provide the services you need to get you back behind the wheel ASAP. Services usually include changing flat tires, fuel delivery, jump-starts, and lockout assistance. The cost for roadside assistance when added on to an auto insurance policy is around $15 to $60 a year, although it can be more expensive, depending on the plan level you choose.

Before you sign up for roadside assistance, it can be useful to know some basics. In this guide, we’ll look at what you can expect when you enroll in a roadside assistance program.

What Is 24-Hour Roadside Assistance?

Roadside assistance plans cover a range of problems that commonly affect motorists. Whether you’re stuck on a busy highway or a lonely roadside, in a mall parking lot or your own driveway, you can ask for help with a dead battery, flat tire, being locked out, and more.

Since problems can happen at any time, roadside assistance programs make their services available around the clock. Service calls don’t usually require a deductible, and depending on your plan, costs you incur in an emergency may even be reimbursed.

Recommended: Ways to Save on Car Maintenance

What Are Some Benefits of 24-Hour Roadside Assistance?

Roadside assistance is designed to protect all drivers, but it can be especially useful for parents of young children, new drivers, and people with physical limitations. Probably the top benefit of having 24-hour roadside assistance coverage is that you can call any time you’re in need. You can keep the number programmed in your phone, or put it in your wallet or glove compartment — your provider may even offer an app.

You can call for advice or hands-on assistance, and someone will help you get what you need. Some plans may even provide legal assistance if you’re charged with a traffic violation or reimburse you if you need to stay in a hotel overnight because your car broke down. Some plans also include benefits such as travel discounts and rewards points.

Recommended: How to Get Car Insurance

What Does 24-Hour Roadside Assistance Cover?

Assistance programs vary significantly depending on the service provider, the coverage level, and what you’re willing to pay. So, when you’re comparing roadside assistance for cars and trucks, it’s important to understand the details of what each plan covers. Roadside assistance is not intended for use after an accident. In that case, 911 will arrange for help to arrive.

Most companies that offer roadside assistance programs set limits on what they will and won’t pay for. Some plans may include free fuel delivery, for example, but charge extra for the gas you receive. Similarly, providers who include free lockout assistance may charge you to have a new key made. If your car needs a tow, there may be a limit on how many miles you can go for free. There may also be a limit on how many service calls you can make in a year.

Plans have different rules on whether a particular driver or vehicle qualifies for a service call. With some plans, you must be driving your own car when you call for assistance. Other plans will cover you even if you’re the passenger or driver in someone else’s car.

Programs generally include some amount of coverage for the following.

Vehicle Towing

If your vehicle can’t be safely repaired or restarted on-site, roadside assistance can tow it to a nearby repair shop.

Battery Jump-Start or Replacement

Roadside assistance can give your dead battery a jump and, if that doesn’t work, install a new battery on-site or give you a tow.

Changing a Flat Tire

If you have a usable spare tire, your service provider will likely change a flat or blown-out tire on-site.

Lockout Assistance

If you’ve locked your keys in your car, roadside assistance can get a locksmith to help. Even if you’ve lost your keys, the service may be able to get you back in your vehicle and back on the road.

Winching Service

Stuck in snow, mud, sand, or water? Your service provider may bring in a winch to extricate your car or truck.

Fuel Delivery

If you run out of gas, your provider can deliver fuel to your location. And if the battery in your electric car needs a charge, you can ask for a tow to the nearest charging station.

Quick Fix Vehicular First Aid

If you have a minor mechanical problem that can be fixed quickly, it may be possible to do so on-site. If not, the service can tow your car to a nearby repair shop.

What Are Some Ways Drivers Can Get 24-Hour Roadside Protection?

There are several different ways you can get roadside assistance coverage for yourself and your family members. If you’ve set aside time for personal insurance planning, such as applying for life insurance, you might also consider adding roadside assistance to your list.

Auto Club Membership

Probably the best-known way to get 24-hour roadside assistance is through an auto club like AAA (pronounced “triple A”). The company will issue you a membership card with numbers to call for service. You may also be able to download an app or send a text.

Plans range from $64.99 to $124.99 per year, plus extra costs for add-ons. Your price will depend on how many family members are covered, your location, and the services you’ve selected.

Credit Card Company Benefits

You may be able to access roadside assistance through one of your credit cards. Again, the cost of overall coverage or a specific service will vary depending on the plan you choose. For example, some credit cards may provide the service for free to their members but with a cap on each claim or on the number of claims a cardmember can make. Others may offer a pay-per-use service or prenegotiated discounts on certain services.

Vehicle Manufacturer

Many car and truck manufacturers also offer roadside assistance as a perk for new car buyers. Your vehicle may include protection that lasts for a few years or the length of your limited warranty. Your sales agreement should provide details on what your plan covers, or you can ask the dealership.

Car Insurance Company

Many car insurance companies have some type of roadside assistance coverage available for their customers. Some plans provide only the basics, while others may offer two or three levels of coverage. Costs generally range from around $15 to $60 or more a year.

When you’re considering cost, keep in mind that you may be able to lower your car insurance cost by bundling it with other types of insurance coverage.

Which Insurance Companies Offer 24-Hour Roadside Assistance?

Insurance companies that provide 24-hour roadside assistance typically offer the service as an add-on to an auto policy. However, some companies may provide a roadside protection membership to non-policyholders.

If you’re not sure whether you already have roadside protection, contact your agent or log in to your account on your insurer’s website to get information about your coverage. You may also find the information on your insurance card. If all else fails, you can also check out the benefits of each provider via online insurance comparison sites.

Here are a few companies that offer roadside assistance:

Allstate

Allstate offers 24-hour roadside assistance programs to both policyholders and non-policyholders. Costs and limitations will vary based on the plan you choose.

GEICO

GEICO’s roadside assistance program is available to policyholders as an add-on, and it covers most of the basics other plans offer. The cost is determined by the number of vehicles you want to cover.

Liberty Mutual

To access Liberty Mutual’s 24-hour assistance program, which offers basic roadside services, you must purchase optional towing and labor coverage as an add-on to your policy.

Nationwide

Nationwide offers 24-hour roadside assistance as an optional add-on for policyholders. The basic plan covers the same services offered by other insurers, but optional features and program details vary by state.

Progressive

Emergency roadside assistance is available as an optional add-on for Progressive auto insurance policyholders. Progressive’s program covers service basics, such as towing, jump-starts, and lockout assistance.

State Farm

State Farm’s roadside assistance program is an add-on for policyholders. If you have this coverage and need assistance, State Farm will mostly be billed directly for any basic services you receive, in which case, you won’t have to worry about waiting to be reimbursed.

(The above coverages are accurate as of the writing of this article but may differ in the future.)

What Is the Average Cost of 24-Hour Roadside Assistance for Cars?

When added to your car insurance policy, roadside assistance coverage costs anywhere between $15 and $60 per year on average. The price of a roadside assistance plan can vary based on how many vehicles you want to cover, where you live, whether your coverage is through your auto insurance or some other source, and the level of coverage you choose.

It’s a good idea to compare several plans and choose the best one for your individual needs and budget.

What Is the Average Cost of 24-Hour Roadside Assistance for Trucks?

The cost of roadside assistance for a pickup truck can be the same or similar to the cost for a car. However, most insurance companies offer separate coverage for RVs, boats, and motorcycles, which often need specialized services.

How Much Does 24-Hour Roadside Assistance Cost Without Insurance?

The national average cost of a local tow without roadside assistance coverage is between $75 and $125, or between $2 and $4 per mile.

What Makes 24-Hour Roadside Assistance Different From Other Coverage?

Standard car insurance is designed to protect car owners against financial losses when they’re in an accident or if their car is damaged, stolen, or vandalized. But a standard auto policy doesn’t typically include roadside assistance for situations such as a flat tire or running out of gas. That’s a different kind of coverage, and it usually costs extra to add it to a car insurance policy.

Another difference is that in most states, you are required to carry a minimum level of car insurance. However, you aren’t required to carry roadside assistance coverage. It’s your choice.

How Do You Choose a 24-Hour Roadside Assistance Program?

There are a few points you should consider when you’re shopping for a roadside assistance program.

Do You Already Have Protection?

If you aren’t sure, check your car warranty, credit cards, and your car insurance policy. Even if you are covered, it can be a good idea to compare your coverage to what’s available to make sure you have everything you need.

What Are the Coverage Limits?

Read the fine print for details and coverage limits before you sign up for a plan. Be sure you’re getting the services you expect and need most.

What Will It Cost?

Plans are generally low cost, ranging from $15 to $60, perhaps more, per year. It’s a good idea to compare prices of different plans to determine which one works best for your budget.

Does the Provider Get Good Reviews?

Don’t forget to check the provider’s reputation. Reliability is important when you’re stuck on the side of the road waiting for a tow or a jump-start. An important part of researching different plans includes reading customer reviews.

The Takeaway

A 24-hour roadside assistance plan is designed to provide drivers with the help they need to get back on the road as soon as possible. Drivers typically get roadside assistance through their auto insurance, but you can also find it via credit card benefits, car manufacturers, and auto clubs, such as AAA. Prices vary from around $15 to $60 per year as an auto insurance add-on to $125 or more per year through an auto club. Considering that a single tow without coverage can cost as much as $125, paying for a roadside-assistance plan can prove well worth the investment.

If you’d like to check out roadside assistance options, start by going online to compare your current auto insurance plan and benefits with those of other major companies.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

Does using roadside assistance increase your premium?

If you make only one or two claims a year, utilizing roadside assistance is unlikely to affect your insurance premium. But if roadside assistance claims are frequent or excessive, they may contribute to rate increases.

What does roadside assistance cover?

Every plan is different, but most include basic coverage for lockout assistance, changing a flat tire, jump-starting a battery, fuel delivery, minor engine fixes, and towing. Some providers also have premium plans that include extra services, such as more towing miles and trip interruption coverage.

How many times can I use roadside assistance?

Most policies limit the number of service calls you can make to three to five per year. It’s in your best interest to stay within these numbers to keep your premiums stable.

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Photo credit: iStock/nopponpat

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q126-055

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