How likely am I to use roadside assistance if I purchase it?

"I know a lot of people purchase roadside assistance membership, but it seems like a scam to me. The odds are I will buy it and then never need it. How likely am I to actually use it?"

Answer provided by
Shannon Martin
Answered on Jul 28, 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.
“Paying for towing coverage is just like paying for auto or life insurance. You don’t ever want to use it, but if you don’t have it and something happens, you may wish you did! You will want to consider how new your car is and your comfort level if something were to go wrong.
There are about 69 million vehicle breakdowns per year, which is about one out of three drivers on the road. If you have a new car, it is less likely you will have a breakdown, but you could still have a common issue like:
  • a blown tire
  • the battery fails
  • be in an accident and be in need of a tow
Depending on where you live, only 56% of Americans will help someone with car trouble. If you are comfortable handling most situations on your own, like jumpstarting your car or changing a tire, you might feel comfortable forgoing a towing plan and saving money.
The average tow costs between $75-$125, which is similar in price to a AAA membership.”

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