January 26, 2010

Why Adding Towing And Labor Coverage To Your Auto Insurance Policy Is A Good Idea

Adding towing and labor coverage to your auto insurance policy is a small investment that can bring tremendous peace of mind. Being stranded by the side of the road with a non-functioning or damaged vehicle is terrible enough without having to wonder how to get your car towed or how much it will cost. Choosing to have towing and labor coverage added to your auto insurance policy ensures that a tow truck is only a telephone call away and will arrive to help in less than an hour. With this coverage, towing, which can easily run in upwards of $100 for a short trip to the nearest mechanic, is paid in full by your insurance. It also means that the cost of the labor involved in getting your car back on the road, such as fixing a flat tire or replacing a dead battery, is included under towing and labor coverage on your auto insurance policy.

Some auto insurance companies offer towing and labor coverage as an option you can add to a comprehensive insurance policy. Other companies offer this type of coverage as part of an emergency roadside assistance program. Either way, coverage is extremely affordable and can cost as little as a dollar or two per month. Unless you’re driving a new car that is still under warranty and includes roadside assistance through the manufacturer, adding towing and labor coverage to your auto insurance policy is the best way to ensure you don’t get hit with high towing costs if your car breaks down, has a flat or is involved in a collision.

The next time you’re inquiring about auto insurance quotes, make sure to ask about the cost of towing and labor coverage and consider all of your options before purchasing. Different auto insurance companies specify different limits allowed under towing and labor coverage as well as which labor costs are reimbursable and which are not. There may also be restrictions, such as how many miles your car can be towed, how many claims you can make per year and coverage being limited to only the vehicle listed on your auto insurance policy. So, it’s smart to shop around and find an auto insurance quote with the greatest benefits from a carrier that best fits your needs.

Towing and labor coverage can bring you peace of mind during a very stressful time. It just makes sense to have this valuable, money-saving coverage added to your policy. It’s worth the small monthly investment to know that fast, reliable towing and roadside service is only a telephone call away and the cost to return your car to road-worthiness is already covered under your auto insurance policy.