What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

Towing and labor coverage

With so many types of auto insurance people can purchase, knowing the definitions and what each covers is essential. It is possible to have more insurance coverage than you need; many types of insurance coverage are beneficial for a large percentage of drivers. Each car insurance company will offer slightly different limits and coverages, though in most cases, the cost of towing your car to a repair shop if needed is included. If you end up in a situation where your vehicle cannot be driven, it may need to be towed somewhere for repairs. Towing and labor coverage covers these expenses and others, which will be explored in more detail in this article.

Does My Car Insurance Cover Towing Costs?

A person’s car insurance plan, if they purchase the minimum amounts required by their state, will not cover towing costs. An additional insurance add-on, called towing and labor coverage, will need to be purchased. This type of plan covers a list of expenses not covered by basic insurance, collision insurance, or comprehensive insurance. Each of these other types of insurance can be valuable as well, so consider what your needs are when you start shopping around for an auto insurance plan. Getting free quotes from multiple companies is one of the best ways to save on insurance, including the towing and labor coverage add-ons. The tools here can help you find the best prices for car insurance available in your area.

While many people choose to get towing and labor coverage, there are other services available that can help provide towing. Roadside assistance programs are common, and in some cases having both is not necessary. If you already have coverage, duplicating it might not make sense. People who are members of an auto club, such as AAA, might pass on purchasing towing and labor coverage. That said, not everything in these types of policies overlaps. Labor coverage is different than towing, and many auto club memberships do not cover anything in regards to labor. Overall, drivers should compare the pros and cons between auto club memberships and towing and labor coverage to determine if they want one or both. Comparing prices and services can help you choose the best solution for your needs.

What Is Covered By Towing And Labor Coverage?

A few things that may be covered by a towing coverage policy include towing, tire changing, battery services, lockout services, oil delivery, gas delivery, and more. Many of these things are covered by roadside assistance plans, however. Towing and labor coverage is not mandatory and is an optional add-on. The cost of this type of plan can vary from one state to the next as well. Sometimes towing and labor coverage is referred to as emergency roadside assistance, emergency road service, emergency roadside service, or tow club. You may have towing and labor coverage already, and not even know it due to the many names it can go by.

What Happens If I Don’t Have Towing and Labor Coverage?

Towing and labor coverage can be a massive help, and many of the services that are covered by it are common experiences for the average driver. At some point, it is likely that your vehicle will need to be towed, a tire will need to be changed, you will run out of gas, or your battery will die. Many people find that they have locked their keys in their vehicle at least once over the course of their lives, possibly more. The convenience of towing and labor coverage can help make all of these situations a lot less stressful. Many have an app that uses your GPS to direct help where to go. Not having to worry about finding the nearest towing company that is open when it is late at night can also be a massive benefit. If you are in an area you are unfamiliar with, towing and labor coverage can take care of all of the arranging and directing, making your life a lot easier.

If you do not have this type of coverage, you will be paying out-of-pocket for the services you get as well. During off-hours, such as late at night, towing can get quite expensive. You’ll also be responsible for finding a person to tow your vehicle if you do not have this coverage. In most cases, people with towing and labor coverage have a number to call, and the agent on the other end of the phone handles contacting a company to assist you. They also have negotiated better pricing with those companies, though your policy itself will cover the costs of this help to a point. Many towing and labor coverage plans will cover towing up to 50 miles, as an example. If you need to go further than that, you may be charged a per-mile price, which is also negotiated at a better rate in many cases.

People who purchase towing coverage like the convenience that it provides, in addition to the peace of mind and money-saving abilities. There are often different levels of coverage available, which will cover more instances, longer towing distances, and can have other benefits as well. Those who are looking to get an auto club membership as well may find that they enjoy the travel-related perks that come with this type of service. Both have pros and cons, and also many overlaps. Duplicating coverage is not needed in some cases, and the tools you need to compare prices between different auto insurance providers are here. Take advantage.

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