Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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Key takeaways...

  • Most roadside assistance options provided by insurance companies will tow your vehicle at no cost
  • The average car towing cost can exceed one hundred dollars with premium coverage
  • Progressive will offer a comprehensive roadside assistance package that includes a variety of services

It’s one of the worst things that can happen when you’re out on the road. Your car breaks down, leaving you stranded and without a way to get to get to the nearest mechanic.

Luckily, car insurance companies like Progressive have introduced roadside assistance programs to prevent this from happening.

For a small additional fee on your premium, Progressive will offer a comprehensive roadside assistance package that includes not just towing, but a variety of other services.

Find the low car insurance rates from all the big companies by entering your zip code into our FREE tool above!

Table of Contents

Roadside Assistance Services

The most common service people think of when they consider a roadside assistance package is towing in the event of a car breaking down.

Progressive car insurance and its big-name competitors, go above and beyond that standard of service and include the following services in any roadside assistance package:

Towing

Most roadside assistance options provided by insurance companies will tow your vehicle (at no cost) to the nearest qualified mechanic within 15 miles of where your car has broken down.

If there is no mechanic within 15 miles, they will tow it to the one closest to the site of the incident.

Changing a Flat Tire

Progressive Insurance has a network of affiliated maintenance professionals throughout the country that are available at a moments notice.

Jump-Starting Your Car’s Battery

That same network of qualified maintenance and repair personnel can be on the scene in minutes with jumper cables to bring your car back to life and get you moving.

Should your battery need replacing, they can do that as well though you will be required to pay for the cost of a new battery.

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Unlocking Your Car

With a roadside assistance package, Progressive will send a qualified locksmith to your car in the event that you lock your keys inside or simply can’t find your keys to unlock the doors.

There is no out-of-pocket expense for the service, but Progressive will charge you the cost of the keys.

Never Run Out of Gas

If you happen to find yourself a long way from a gas station, but not that far from an empty fuel tank, Progressive can send a qualified maintenance person with a container of gasoline to get your car to the nearest refueling station.

You pay only for the cost of the gas.

Fluid Delivery

Coolant is just as important to your engine as the gasoline which keeps it running, and if you find your car overheating and in dire need of fluids, Progressive has you covered.

One of their mechanics will be on-site to deliver the fluids your car needs.

You will only be charged for the price of those fluids.

Utilizing roadside assistance is as easy as dialing Progressive’s special phone number for the service, identifying your location, and awaiting the arrival of an affiliated technician or repairman.

When the repair has been completed, you’ll be asked to pay up-front for any qualifying services or have the option to add the cost to your next insurance statement.

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What it Covers and What it Doesn’t

The roadside assistance option offered by major insurance companies typically covers the cost of towing and maintenance, but not the cost of supplies — such as gas, fluids, tires, or keys.

If your car is towed to the nearest mechanic, you won’t pay for any repair related to the breakdown that necessitated the towing.

However, if you opt for additional and optional repairs, you will have to pay those costs out of pocket before driving your car back home.

Without this premium car insurance coverage, the average car towing cost can exceed one hundred dollars.

Finding the Best Price

Roadside assistance is generally an affordable car insurance add-on for most premiums.

Some companies may even add it to your insurance coverage at no additional cost if you opt to pay your premium in six-month or one-year increments.

The best way to find a great price on roadside assistance packages is to comparison shop between the major providers  Progressive is certainly a good place to start.

If you have special needs or questions about how to use the package, it’s important to consult an agent or a customer service representative before adding it to your account.

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References:

  1. https://www.progressive.com/lifelanes/how-to-check-coolant/
  2. https://www.aaa.com
  3. https://www.progressive.com/auto/insurance-coverages/
  4. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  5. https://www.progressive.com/auto/