Benefits of Adding Roadside Assistance Coverage to Your Colorado Auto Insurance Policy
Driving in Colorado presents unique challenges, including mountainous terrains and sudden weather changes. Roadside assistance can help when you cannot continue your journey due to a variety of common problems with the covered vehicle.
Roadside assistance usually covers cars and trucks, but you may be able to add this coverage to your other insured vehicles, including motorcycles, ATVs, boats and recreational vehicles like campers.
What Does Roadside Assistance Cover?
With roadside assistance, help is typically just a phone call away. Roadside assistance coverage may include the following:
- Towing services
- Battery jump start
- Flat tire change
- Lockout service (if keys are locked inside the vehicle)
- Emergency fuel delivery
- Winching service (extracting vehicles from mud, snow, etc.)
- Minor roadside repairs
- Trip interruption coverage (in some cases)
Specific coverage varies by provider. Consult your agent to understand your coverage and learn how to use it.
The cost of a single tow or emergency service can be steep, especially in remote areas. Roadside assistance coverage is a budget-friendly way to mitigate these expenses. For a small addition to your premium, you can help avoid the financial sting of individual service charges.
If you’re new to Colorado or exploring unfamiliar backroads, having roadside assistance offers reassurance. You won’t have to worry about finding a local towing service or repair shop; your insurer coordinates services.
How Much Does Roadside Assistance Coverage Cost?
Many insurers offer roadside assistance endorsements for a flat annual fee. When you purchase roadside assistance coverage from your agent, you may get more favorable rates than a stand-alone plan.
When you use roadside assistance, there may be a copayment depending on the type of service you need, where you are located when the breakdown occurs and your policy’s rules about out-of-pocket costs. There may also be limits on the number of miles a plan will pay for towing services. When comparing coverage, review how the plan works with your agent to avoid surprise costs.
Many roadside assistance plans also have coverage limits per occurrence. Some plans also have a maximum coverage limit per year.
How to Get Roadside Assistance Coverage
Contact The Hammer Agency in Littleton and Denver, Colorado, to add roadside assistance coverage to your auto insurance policy. Our team can help you understand your roadside assistance coverage and cost.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.