Many auto insurance companies have comprehensive coverage packages with great deals, but you have to do your homework to ensure you are getting want you really want. One overlooked benefit that doesn’t come with all auto insurance policies is towing coverage. Whether your car gets stuck in the snow, has a flat tire, the battery dies or it randomly will not start, towing coverage is invaluable and many policies offer it at no extra charge. Unfortunately, many consumers do not realize this.
Specifically speaking, what you should look for when comparing auto insurance quotes is Towing and Labor Coverage according to the article “Does Your Auto Insurance Cover Towing” by Marcia Passos Duffy on FoxBusiness.com. This type of coverage will often take care of the towing as well as labor to help get the car started again. Labor generally covers small fixes and not parts so be careful when a mechanic offers to fix everything. This coverage can also be called roadside assistance and some companies extend other benefits that mimic an auto club membership.
If you are a member of an auto club and paying an annual fee, double check with your auto insurance company to make sure you don’t already have the coverage you’re looking for. If you have quality roadside assistance through your insurer, you may be able to cancel your auto club membership and save some money. With this said, auto clubs such as AAA offer unique benefits that can be hard to find with insurers so you will want to be sure and compare the perks side by side and see what is the best fit for your budget and your personal needs.
Written by Sara Smart
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