The fact that you’re looking for cheap car insurance when you’re shopping for a car insurance policy is a given. Really, who doesn’t want to save money-especially in this day and age? The catch is, how far should you and your friends go to shave big bucks off your annual premiums? Should you let your friends hit the highways before they’ve included emergency roadside assistance on their car insurance policy?
The quickest path to cheap car insurance without giving up the coverage you deserve is to start looking for ways to trim the fat-and yes, your emergency roadside assistance protection plan might be a part of that fat. Then again, it might not. Everything in life is relative, and in this case that includes the wisdom of driving without emergency roadside assistance services.
When you’re shopping for car insurance quotes you’re going to find that a number of factors come into play to determine your premiums. They’re going to look at your driving history. They’re going to ask you some questions about your car. They’re going to record your age, your weight and your physical condition to estimate how likely you are to have an accident. And they’re going to find out how much coverage you want to purchase.
Part of that coverage is going to include your emergency roadside assistance plan. Emergency roadside assistance generally isn’t exceptionally expensive. In fact, you’ll probably pay more in gas station coffee and sodas this year! And having a contingency plan in place for the moment your car or truck decides to break down and leave you stranded on the side of I-95 in the middle of the night when there’s not a tow truck in sight is always a good idea. This way, at least you know that help is only a phone call away.
The problem is, tacking emergency roadside assistance services onto your car insurance policy has become redundant-and most people don’t even know it. AAA used to be the only game in town when it came to calling for a rescue from the side of the road; however, now there are plenty of competitors honing in on their turf. Most cellular phone providers offer emergency roadside assistance as a part of their standard package deal (for a slight additional fee, of course) and numerous businesses and organizations include it as an ingredient in their benefits package.
So you and your friends may well be paying for two emergency roadside assistance plans every time you pay your car insurance and your cell phone bill in the same month-and since they don’t usually let you wiggle out of that one you’re pretty much stuck.
The bottom line is that while you don’t want to be caught out on the highways with a flat tire or a dead battery and no way to call (or pay for) a tow truck, you also don’t want to pay more for your car insurance than you absolutely have to. Look into your options. You might be surprised to find out there are cheaper alternatives to your insurance company out there. And if you and your friends decide to keep your emergency roadside assistance plan on your car insurance policy you’ll know you’ve made an educated decision and you’re in good hands now.
Anthony M. Peck is the Senior Developer, Software Project Manager and Director of Business Development for QuoteScout.com, working to match drivers with the best possible rate on their car insurance. For more information on cheap car insurance, visit them on the web at http://www.QuoteScout.com.
Article Source: Friends Don't Let Friends Drive Without Emergency Roadside Assistance on Their Car Insurance Policy