When shopping for car insurance, many drivers wonder whether full coverage includes towing services. Having your car break down unexpectedly can be stressful, and the cost of towing can add up quickly. Understanding the specifics of your policy can help you determine whether you need additional coverage for roadside assistance.

What Is Full Coverage Car Insurance?

Full coverage car insurance is a term commonly used to describe a policy that includes liability, collision, and comprehensive coverage. While it offers extensive protection, it does not always include towing or roadside assistance.

Liability Coverage: Pays for damages and injuries you cause to others in an accident.

Collision Coverage: Covers damages to your vehicle caused by a collision, regardless of fault.

Comprehensive Coverage: Protects against non-collision-related damages, such as theft, fire, and natural disasters.

While full coverage offers significant protection, towing services typically require an additional policy add-on.

Does Full Coverage Include Towing?

In most cases, full coverage car insurance does not automatically include towing and roadside assistance. However, many auto insurance companies offer towing as an optional add-on. If you’re unsure whether your policy covers towing, reviewing your policy details or speaking with your insurance provider is the best course of action.

Some factors that determine whether towing is included in your policy include:

• The specific terms set by your auto insurance company.
• Whether you have added roadside assistance coverage.
• The type of car insurance Michigan drivers choose.
• Whether you opted for additional services when obtaining car insurance quotes.

How to Get Towing Coverage?

If towing is not included in your current policy, there are several ways to add this coverage:

Roadside Assistance Add-On: Many insurance providers offer roadside assistance coverage that includes towing, flat tire repair, battery jump-starts, and fuel delivery.

Membership-Based Services: Organizations such as AAA and roadside assistance programs from auto manufacturers provide towing services for a yearly fee.

Credit Card Perks: Some credit cards include roadside assistance benefits that cover towing.

Standalone Towing Insurance: Some companies provide towing-specific insurance policies for added protection.

Cost of Adding Towing Coverage

The cost of adding towing coverage to your auto insurance policy varies based on your auto insurance company and your location. In auto insurance Michigan policies, the cost of roadside assistance can range from $10 to $50 per year. This small investment can save you hundreds of dollars if you ever need a tow.

If you are looking for cheap car insurance that includes towing, comparing car insurance quotes from multiple providers can help you find the best deal. Some insurance companies near Roseville may offer competitive rates with roadside assistance included.

Benefits of Having Towing Coverage

Adding towing coverage to your policy can provide several benefits, including:

• Peace of Mind: Knowing you have towing assistance can reduce stress in case of a breakdown.
• Financial Protection: Avoid out-of-pocket expenses for emergency towing services.
• Convenience: Many policies offer 24/7 towing assistance, ensuring help is available whenever you need it.
• Bundled Savings: Many providers offer discounts when you bundle towing coverage with other policies.

Finding the Right Auto Insurance Near Roseville

If you’re searching for auto insurance near Roseville, consider working with an insurance company near Roseville that offers comprehensive coverage, including roadside assistance. Comparing policies from different providers will help you find a policy that fits your needs and budget.

Conclusion

While full coverage car insurance provides protection against accidents and non-collision-related damages, it does not always include towing. To ensure you have towing coverage, check with your auto insurance company and consider adding a roadside assistance plan. Whether you’re looking for cheap car insurance or full coverage with added benefits, getting multiple car insurance quotes will help you find the best policy for your needs.

When looking for auto insurance Michigan drivers can rely on, consider adding roadside assistance to avoid unexpected towing expenses. A little planning now can save you a lot of trouble later on the road.