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Is towing and labor coverage from your car insurance company a better choice than a third-party option?

"I've read that towing and labor coverage on your car insurance policy is way cheaper than getting a service like AAA, but I know price isn't everything.

Is this coverage from your auto insurance provider a better option than a third party?"

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Most
towing and labor coverage
 policies mimic third-party coverage, although they may not be as comprehensive. This could mean shorter towing distances and less services overall.
However, the major difference is response times. While
AAA
 or similar companies may have an average response time of around 30 minutes, car insurance companies have to contact vendors/contractors that can actually decline the call. No one is sure how often this happens, but it can cause a wait time of several hours.
For this reason, you may want to consider a third-party option, as this is the company’s primary focus.”
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