When I bought my car three years ago, its three year warranty came with roadside assistance anywhere in North America! That seemed like a pretty sweet perk at the time, being a 22 year old who knew (and knows…) very little about cars, just bought a brand-new car, and planned on driving most of her miles on long stretches of the highway to visit family. Well, guess what? That policy is expiring soon! And I’ve been debating what to do about it. The way I see it, I have several options:
1) Car insurance: Add this as an additional benefit/cost on my car insurance policy. I investigated this and it would cost $30/year.
2) AAA: Buy a AAA membership. The classic membership would cost me $56/year and would get me free towing up to 5 miles. For free towing up to 100 miles, it would cost $89/year.
3) Credit card benefit: Investigate my existing credit cards for if they have a roadside assistance benefit and if not, apply for a new credit card with no annual fee that does. None of my existing credit cards have this benefit and I don’t want to get another credit card just for this.
4) Go without: This is the catch-all, take no action option.
After much consideration over the last few months, I am opting for the last option, do nothing. Why? In the last three years, nothing has happened to my car. It also seems fairly unlikely. I have a smartphone, with which I could look up the phone number of a local towing company wherever I am and call them or if I have no data service, call a friend who has internet access to look one up and then I can call that number.
Readers, do you have a roadside assistance policy? If so, how often have you used it?