How often is roadside assistance used?

I know my Chase card offers me free towing, but will that be enough? I recently purchased a new 2021 Volkswagen Up. At the time of the sale, I declined the towing package the dealership offered, but now I am second-guessing myself. How often do people need to use towing coverage anyway?

Answer
“Many factors should be considered when deciding what towing and labor package will work best for you. Here are a few questions you should ask yourself:
  • If I break down, am I comfortable doing minor repairs myself?
  • Do I drive long distances often?
  • Will I take advantage of the additional benefits offered by a towing membership, or do I need a more straightforward plan?
Since you have a new car, the odds of you needed a tow due to breakdown are relatively low. The average person only uses a tow service about once every three years.
If you have free towing with your Chase card, that will be sufficient for you right now. As your car gets older or if you notice your driving habits have changed, you can purchase additional towing coverage at any time.”
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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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