Does getting a roadside assistance plan like AAA impact your car insurance rates?

Can I get a discount on my car insurance if I buy a separate roadside assistance plan, like AAA?

Answer
“If you are a AAA member and also have AAA auto insurance, you will qualify for a discounted rate!
If you currently have roadside assistance with your insurance carrier, it does not save you money on your car insurance; however, the price point of roadside assistance with an insurance company tends to be much lower than an individual membership. So don’t fret, you are saving money that way.
One surprising benefit to carrying an individual towing membership is that it can’t impact your insurance policy rate. Any time you call for a tow with your insurance carrier, it is filed as part of your insurance history. If you call too many times, the coverage can be stripped from your policy.
Having a separate roadside assistance membership saves you the hassle.”
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Shannon Martin
Answered on Jul 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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