5 Things to Look for in a Roadside Assistance MembershipInsured by Carver
5 Things to Look for in a Roadside Assistance Membership
You can never predict whether you are going to need roadside assistance for a dead battery, a flat tire, or some other vehicle issue, but if you have a roadside assistance membership, you can rest easy knowing that you will be have help when it happens. Choosing a roadside assistance membership can be daunting as there are many things to consider. When it comes to a roadside assistance membership, you should choose one that offers benefits and features that you think will meet your breakdown needs.
Following are 5 things to look for in a roadside assistance membership:
When it comes to coverage, it is highly recommended that you always read the fine print. Is the service available in your state? It is specific to one vehicle? If it covers all your vehicles, will it include motorcycles, RVs, and rentals, or are you limited regarding the type of a vehicle? Look for a roadside assistance membership that offers the best coverage, and you may be able to add on additional services according to your needs.
2. Limitations and Exclusions
Certain roadside assistance memberships cater to specific ages, e.g. 55 and older. Some provide coverage as long as your driver’s license is valid. So, when choosing a roadside assistance membership, be sure to take this into consideration as well as other exclusions that could be deal breakers.
This is the most crucial factor to look for in a roadside assistance membership. You want to choose a roadside assistance membership that allows you to access the policy 24/7. They should be able to help you no matter the situation, e.g. keys locked inside the vehicle, car getting stuck in a ditch, flat tire, dead battery, running out of gas, etc. Also look at the responsive time of the company and the charges for adding another family member to your coverage. It is also recommended that you verify the number of occasions you will be able to call them for help in a given year.
4. Vehicle Restrictions
If you own more than one vehicle, then make sure all of them have coverage. The coverage of roadside assistance memberships is generally based on weight capacity (typically up to 4,000 lbs.), so vehicles up to light trucks are usually covered. But if you have motorhomes, boat trailers, or trailers, then make sure you are covered. And if you are traveling with your truck while pulling a trailer, then look for a roadside assistance membership that will cover both vehicles in case of a problem.
5. Others Things to Think About
Apart from the above-listed factors, check how extensive the services are offered within a roadside assistance membership. For example, how many miles are covered for towing before the company charges you additionally? It is recommended that you look for a membership plan that covers distance instead of price since it is easier for towing companies to add on fees or charges that can increase the total cost unnecessarily. Don’t forget to look for other add-ons or even premium membership for benefits that you may find useful.
Most insurance carriers offer roadside assistance coverage as an add on to your auto insurance policy. Call your Insurance Agent and see if your company offers the coverage and if your policy has it. If not, it can typically be added onto your auto insurance policy at a small premium.
In conclusion, these are some of the things you should look for in a roadside assistance membership. Taking these things into consideration will help you ensure that you choose a plan that’s best for you.
Carver Insurance Services, Inc. is a local insurance agency that has been serving residents and small businesses in Murrieta, Temecula, and surrounding areas since 2004. Started by Diana Carver; a second generation insurance broker with over 25 years experience, when after working for several insurance brokerages, Diana felt the need for a brokerage that was efficient and progressive, while still keeping that “hometown” feeling.
Carver Insurance Services, Inc.’s goal is to help you determine what insurance needs you have, meet those needs, and then help you prepare to meet future goals. The Carver Insurance Services, Inc. Family and its agents would love for you to stop by one of their two convenient locations for a free insurance quote or just to say, “Hello!”
For more information, give Carver Insurance Services, Inc. a call today to talk to a friendly, helpful agent.
Carver Insurance Services, Inc.-Temecula
33321 Temecula Parkway suite #102, Temecula, 92592