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What is the Best Roadside Assistance Plan?

Skilled young tow truck driver ready for roadside assistance

What happens if your vehicle breaks down in the middle of nowhere? A roadside assistance plan is a service that provides emergency assistance and support to drivers in the event of mechanical failures, breakdowns, or other issues while on the road. From minor auto repairs to basic vehicle service, these plans are designed to offer prompt and convenient solutions to common problems, helping you get back on the road or to the nearest repair shop.

The role of roadside assistance companies is to provide prompt, reliable, and professional support whenever you face unexpected issues, enhancing safety and convenience on the road. Roadside assistance companies coordinate with a network of service providers, including towing companies, locksmiths, and mechanics, to dispatch the necessary help to the location of the stranded driver.

The Main Components of a Roadside Assistance Plan

Roadside assistance involves various components and moving parts designed to provide emergency support and services to drivers in need. The key elements of a typical roadside assistance plan include:

Emergency Services

Roadside assistance plans typically include a range of standard services to address common issues, such as:

  • Towing: Transporting the vehicle to a repair facility.
  • Jump-Starts: Providing a boost to the vehicle’s dead battery.
  • Flat Tire Assistance: Changing a flat tire or providing a temporary fix.
  • Fuel Delivery: Delivering a small amount of fuel to the stranded vehicle.
  • Lockout Assistance: Helping the driver gain access to a locked vehicle.

Coverage Limits

Plans often have coverage limits that specify the number of service calls allowed per year, towing distances, and other limitations on specific services.

Additional Benefits

Many roadside assistance plans offer additional benefits, such as:

  • Trip Interruption Coverage: Reimbursement for expenses incurred due to a covered breakdown, such as lodging and meals.
  • Discounts on Travel Services: Special rates on hotels, rental cars, and other travel-related services.
  • Emergency Messaging: Assistance with notifying family or employers about the driver’s situation.

The Different Kinds of Roadside Assistance Plans

Roadside assistance plans vary in terms of coverage, providers, and additional services offered. While specific details can differ, here are some common types of roadside assistance plans available:

Basic Roadside Assistance

This type of plan typically includes essential services such as towing, jump-starts, flat tire changes, fuel delivery, and lockout assistance. It’s suitable for drivers looking for fundamental emergency support.

Premium or Comprehensive Plans

These plans offer a broader range of services and higher coverage limits. In addition to basic services, they may include features like trip interruption coverage, extended towing distances, and additional benefits such as discounts on travel services.

Pay-Per-Use Plans

Some providers offer pay-per-use or on-demand roadside assistance, allowing drivers to pay for services as needed instead of committing to a yearly membership. This option can be suitable for infrequent drivers or those who prefer flexibility.

Auto Insurance Add-Ons

Many auto insurance companies offer roadside assistance as an optional add-on to their insurance policies. This allows drivers to bundle roadside assistance with their insurance coverage, often at an additional cost.

Manufacturer Roadside Assistance

Some vehicle manufacturers include roadside assistance as part of the warranty package for a certain period. This type of coverage typically includes services specific to the manufacturer and may be offered during the initial years of vehicle ownership.

Motorcycle Roadside Assistance

Motorcycle owners can find specialized roadside assistance plans tailored to the unique needs of motorcycles. These plans may include services like towing for motorcycles, tire changes, and battery jump-starts.

RV and Trailer Assistance

RV owners and those towing trailers may benefit from roadside assistance plans specifically designed for larger vehicles. These plans often include services such as towing for RVs, tire changes, and assistance for both the RV and any towed vehicles.

Membership Clubs

Certain membership clubs, such as AAA (American Automobile Association), offer roadside assistance as part of their membership benefits. These plans often include a variety of services and discounts on travel-related services.

Credit Card Roadside Assistance

Some credit cards provide roadside assistance as a benefit to cardholders. This can include services like towing, jump-starts, and tire changes, but coverage and limits may vary between credit card companies.

Travel Protection Plans

Travel protection plans, often offered by travel insurance providers, may include roadside assistance as part of a broader package. These plans can be beneficial for individuals traveling long distances.

When selecting a roadside assistance plan, it’s essential to consider personal driving habits, the type of vehicle owned, and specific needs. Make sure that coverage limits and any additional benefits offered by each plan align with your individual preferences and requirements.

recovery driver operating winch on vehicle

Roadside Assistance Coverage Options

Coverage limits for roadside assistance plans can vary significantly between providers and specific plans. Here are some common coverage limits that may apply to some of the best roadside assistance plans:


If there are any uncertainties or specific questions about the terms and conditions of your plan, contacting the roadside assistance provider directly for clarification is advisable. Choosing the best roadside assistance plans with coverage limits that align with your needs is crucial to ensure effective assistance during roadside emergencies.

How to Choose the Best Roadside Assistance Services

Determining the best type of roadside assistance plan for your needs involves considering your driving habits, the type of vehicle you own, your preferences, and other factors. Here are some steps to help you identify the most suitable roadside assistance plan:

Assess Your Driving Habits

Consider how often and how far you typically drive. If you frequently embark on long-distance journeys or have a lengthy daily commute, you might prioritize a plan with extended towing distances and additional services.

Evaluate Your Vehicle Type

The type of vehicle you own can influence your roadside assistance needs. For example, RV owners, motorcycle riders, or those with trailers may require specialized plans that cater to the unique challenges of their vehicles.

Review Basic Services

Start by assessing the basic services offered by each plan, such as towing, jump-starts, flat tire changes, fuel delivery, and lockout assistance. Ensure that the plan covers the essentials you’re likely to need.

Consider Coverage Limits

Review the coverage limits for each service provided. Check factors like the number of service calls allowed per year, towing distances, and any limitations on specific services.

Look for Additional Benefits

Some plans offer additional benefits, such as trip interruption coverage, discounts on travel services, or reimbursement for expenses incurred due to a breakdown. Evaluate these extras to see if they align with your preferences.

Check for Flexibility

Assess the flexibility of the plan. Some plans offer pay-per-use or on-demand options, allowing you to pay for services as needed without committing to a yearly membership.

Review Membership Clubs

If you’re already a member of certain clubs or organizations, check if they offer roadside assistance as part of their benefits. Membership clubs like AAA often provide comprehensive roadside assistance plans.

Consider Manufacturer Coverage

If your vehicle is still under warranty, check if the manufacturer includes roadside assistance as part of the warranty package. This coverage may be offered during the initial years of ownership.

Check Auto Insurance Options

Inquire with your auto insurance provider about roadside assistance add-ons. Bundling roadside assistance with your insurance coverage can be convenient and cost-effective.

Read Reviews and Recommendations

Look for reviews and recommendations from other drivers who have experience with specific roadside assistance plans. This can provide insights into the quality of service, responsiveness, and overall satisfaction of plan users.

Compare Pricing

Obtain quotes from different providers and compare pricing. Consider the overall value of the plan in relation to the services offered and your individual needs.

Verify Provider Network

Check the provider’s service network and ensure that they have a sufficient presence in the areas where you frequently drive. A robust network ensures timely assistance, especially in remote or less-traveled areas.

Understand Terms and Conditions

Carefully read the terms and conditions of each plan. Pay attention to any exclusions, limitations, or conditions that may affect your coverage.

Check for Specialized Plans

If you have specific needs, such as coverage for multiple vehicles or specialized vehicles like motorcycles or RVs, look for plans that cater to those requirements.

Consider Customer Service

Assess the customer service reputation of the roadside assistance provider. A responsive and customer-friendly service can make a significant difference when you need assistance.

By taking these steps and considering your unique circumstances, you can determine the best type of roadside assistance plan that aligns with your needs and provides the level of coverage and service you require. Always make sure to choose a plan that offers the right balance of services, coverage limits, and affordability for your specific situation.

Red emergency symbol with car stop and park on road.

The Role of Car Insurance Companies in Roadside Assistance Services

Car insurance companies often play a role in providing roadside assistance plans to their policyholders. While roadside assistance is a separate service from traditional auto insurance coverage, many insurance companies offer it as an optional add-on or as part of a broader package.

Here are the ways car insurance companies are involved in roadside assistance plans:

Optional Add-On to Auto Insurance

An auto insurance company may offer roadside assistance plans as an optional add-on to their auto insurance policies. Policyholders can choose to include this coverage for an additional fee.

Convenience and Bundling

Bundling roadside assistance with auto insurance offers policyholders a convenient way to access both essential coverage types from a single provider. This can simplify billing and communication.

Wide Range of Services

Car insurance companies specializing in emergency assistance typically offer a comprehensive set of roadside services, including towing, jump-starts, flat tire changes, fuel delivery, and lockout assistance.

Emergency Services Coordination

Insurance companies coordinate with service providers, including towing companies and locksmiths, to ensure that policyholders receive timely and reliable assistance during emergencies.

Coverage Limits and Terms

Car insurance companies define the coverage limits, terms, and conditions of the roadside assistance they offer. This includes details such as the number of service calls allowed, towing distances, and any additional benefits.

Affordability and Cost Savings

By bundling roadside assistance with auto insurance, policyholders may benefit from cost savings compared to purchasing these services separately. Insurance companies may offer discounted rates for including roadside assistance in the policy.

Claims Process Integration

When a policyholder needs roadside assistance, the insurance company often facilitates the claims process seamlessly. This integration ensures that the assistance is provided efficiently and is consistent with the policyholder’s coverage.

Promotion of Safety and Customer Loyalty

Offering roadside assistance reinforces the insurance company’s commitment to customer safety and satisfaction. It can contribute to customer loyalty by providing valuable services beyond traditional insurance coverage.

Availability and Accessibility

Roadside assistance services provided by car insurance companies are typically available 24/7, ensuring that policyholders can access emergency services at any time, day or night.

While car insurance companies play a role in facilitating roadside assistance, drivers may also choose standalone roadside assistance plans from other providers based on their specific needs and preferences.

Why Invest in Roadside Assistance Plans?

Roadside assistance plans offer emergency services that can be crucial in unexpected situations. Roadside assistance plans cover vehicle breakdowns, flat tires, dead batteries, or lockouts. This assistance ensures that drivers can quickly get back on the road or receive help when facing car-related issues.

Roadside service adds convenience to the overall driving experience. Drivers can easily request assistance through a hotline, mobile app, or other communication channels, avoiding the stress and uncertainty of handling emergencies on their own.

Knowing that help is just a phone call away provides drivers with peace of mind. Whether on a road trip or commuting to work, having roadside assistance service can alleviate concerns about being stranded in unfamiliar locations.

When it comes to roadside assistance, cost-effective solutions for handling vehicle-related issues are within reach. Roadside service can be expensive if paid for individually. The upfront investment in a roadside assistance plan can lead to significant cost savings over time.

Find the Best Roadside Assistance Plans

Get roadside protection with CTI. Our TRS-certified insurance agents are knowledgeable about insurance policies for commercial truckers. We are dedicated to helping you find the best roadside services for your specific needs and requirements.

Your satisfaction is our main priority, and we are committed to helping you find the most competitive rates in the industry. From lockout service and minor repairs to battery replacement and mechanical assistance, our goal is to help you get comprehensive roadside coverage.

Jump-start your roadside plans when you buy roadside assistance as part of your auto insurance policy. Get an instant truck insurance quote today. CTI collaborates with more than 30 carriers to help you find the best roadside service.