Choosing Roadside Assistance Services

Roadside assistance is a wonderful perk to have on your auto insurance policy. Instead of a flat tire or broken down car creating a great deal of problem and stress, your precarious situation can be alleviated with just one call to your roadside assistance club.

Lately, more and more auto insurance providers are offering roadside assistance programs at a fraction of the cost of independent auto club programs. However, some are wary of using your auto insurance's roadside assistance programs because some insurers may be using it as a factor in raising auto insurance premiums. Some auto insurance companies are reporting use of roadside services just as if it were an accident claim, which could drive up your auto insurance rates in the long run.

Many auto insurance companies have stopped considering roadside assistance use as a factor in determining auto insurance rates, but it is best to ask the auto insurance company if they report roadside assistance to a claims database agency like ChoicePoint. If you are uneasy about using emergency roadside assistance services through your auto insurance company, you can purchase services through an independent company, just be aware that you will have to pay more.