I’d rather keep some basic tools and jumper cables in the trunk and save the cash.
That’s fair, but have you ever had a breakdown that wasn’t a flat or dead battery? I see a lot of claims where folks are stuck with something like a seized alternator or a blown hose—stuff you can’t fix roadside, even with tools. Also, some policies cover towing for accidents, not just mechanical issues. It’s true, you might not use it often, but when you do, it can save a ton of hassle (and money). Guess it comes down to your risk tolerance and how much peace of mind is worth to you.
I get where you’re coming from. I keep a small toolkit and cables in my trunk too, but honestly, there are just some things you can’t fix on the side of the road, no matter how prepared you are. Had a belt snap once—no way I was getting home without a tow. The cost of one tow pretty much covered a year of roadside assistance for me. It’s not something I use often, but when I’ve needed it, I was glad to have it. Guess it’s all about how much risk you’re willing to take.
The cost of one tow pretty much covered a year of roadside assistance for me.
- Totally agree, some breakdowns are just out of your hands.
- I keep a basic set of tools, but stuff like snapped belts or electrical issues? No way you’re fixing that on the shoulder.
- For older cars, I think roadside is almost a must. Parts can be unpredictable.
- Do you find certain brands or plans are better for classic cars, or do they all treat you the same?
I get where you’re coming from, but honestly, I’ve skipped the roadside plans for years and just set aside a little “car emergency” cash instead. Tows aren’t cheap, but I’ve only needed one in the last five years—ended up costing less than all those annual fees would’ve. Maybe I’m just lucky (or stubborn), but for me it’s worked out so far. Guess it depends how much peace of mind you want versus rolling the dice a bit.
I totally get the appeal of just stashing some cash for emergencies—my dad did the same thing for years. But I’ve seen folks get hit with a string of bad luck: flat tire one month, dead battery the next, and suddenly that “emergency fund” is gone. The peace of mind is what sells it for me, especially if you’re not super handy or drive in rural areas. Guess it’s one of those things you don’t miss until you really need it...