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?"

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Eric Schad
Answered on Jun 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“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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