I’ve run into that “premium vehicle” clause before—had to argue with a dispatcher about whether my Subaru counted as “luxury.” It’s wild how those definitions shift depending on who you talk to. I do lean toward AAA, just because they’ve always shown up, but I get nervous about the yearly cost creeping up. Has anyone actually had their insurance company’s roadside come through in a pinch, or is it mostly just marketing?
“had to argue with a dispatcher about whether my Subaru counted as ‘luxury.’”
That “premium” label is always fuzzy. I’ve seen clients shocked when their crossover gets flagged as luxury. From what I’ve seen, insurance roadside can be hit or miss—sometimes they just reimburse you after the fact, which isn’t great in the moment. AAA’s price creeps, but at least you know what you’re getting. Insurance roadside is usually more of a backup for me, not a primary plan.
Had a similar run-in when my Outback got labeled “luxury”—I mean, it’s comfy, but it’s not exactly a limo. Insurance roadside once left me waiting three hours in the rain. AAA’s not perfect, but at least they show up (eventually).
I’ve had my share of mishaps, and honestly, the insurance roadside “service” never seems in a rush—once waited almost four hours for a flat in the middle of nowhere. AAA’s not flawless, but at least I know what to expect. Still, it’s weird how they classify cars... My ‘09 Charger got called “premium” once, which just made me laugh. Not sure what system they’re using for that. Either way, I’d rather deal with AAA when things go sideways.
I hear you on the insurance roadside “service”—I once waited so long my kids finished their snacks and started inventing car games. With AAA, at least I get a real ETA and some idea of what’s happening. The car classification thing is wild though... my minivan got called “luxury” once. Not sure who’s making those calls, but it gave my kids a good laugh.
