Is Progressive’s Roadside Assistance Coverage Good?
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Progressive is one of many insurance companies that offers roadside assistance as an add-on for car insurance policies. If you have Progressive insurance already or are thinking about purchasing it, you may be wondering if Progressive’s roadside coverage is worth it. Here’s what you need to know about their services and how they stack up to other options.
What’s Included with Progressive’s Roadside Assistance Coverage?
There are many emergency services included with Progressive’s roadside assistance coverage. They will cover up to an hour of on-site labor related to the emergency, as well as towing either to the nearest repair center or anywhere within a 15-mile radius. If your car gets trapped in snow or mud, they also offer winching services to pull it out. If you have a flat tire, run out of gas, or need a battery jump, they will also bring those services to you. Finally, if you get locked out of your car, or your key gets lost or damaged, they will pay for locksmith services to replace it.
How Do I Use Roadside Assistance?
To use roadside assistance, you just need to call the number provided with your policy. Some policies may have limitations on the number of times you can use roadside assistance within a certain period of time. It always helps to ask what is and isn’t covered before confirming a roadside assistance dispatch, just to make sure you don’t end up with any unexpected bills. The emergency services are provided by trusted affiliates of Progressive. They dispatch their services based on your cell phone location for quicker response times.
What Isn’t Included in Progressive’s Roadside Assistance Coverage?
When choosing a roadside assistance provider, it’s just as important to think about the things that aren’t covered as the things that are included. The coverage and restrictions vary from state to state, but in most places, you need to have comprehensive or collision insurance to opt into roadside assistance. Keep in mind that while Progressive will cover on-site repairs, you will still need to pay for any necessary replacement parts. If they deliver gas for you, you’ll also need to pay for the cost of the gas. You will also need to pay the cost of labor if it lasts for more than one hour.
You should also be aware of your towing limitations. You can choose your repair shop if it is within 15 miles. If there is no repair shop within that distance, they will tow your car to the nearest one without any additional charges. However, if you opt for a different repair shop that’s further away or outside of the 15-mile radius, you will be charged for the additional towing. Something that many people don’t realize about Progressive roadside insurance is that they don’t cover towing from accident scenes. If you find yourself in this situation, you will need to pay for the towing on your own. Finally, you must be driving the covered car in order to get roadside assistance services. If you’re driving a rental car, you will need to go elsewhere in order to find roadside assistance.
How Much Does Progressive Roadside Assistance Cost?
If you already have Progressive insurance, it’s very affordable to add roadside assistance to your policy. It usually only costs a few extra dollars per month to add this service. However, in most cases, you’ll need to have comprehensive or collision coverage – basic liability coverage won’t be enough.
Is Progressive’s Roadside Assistance Service Worth It?
If you already have a Progressive policy that qualifies you for roadside assistance coverage, it’s absolutely worth adding it to your insurance. Just a few extra dollars a month ensures that you will be safe and have access to necessary repairs if you get stuck on the road. Progressive has an excellent range of services and provides similar value for money when compared with other insurance providers.
If you don’t already have Progressive’s car insurance, you will need to assess whether their policy options are a good fit for you before you can consider their roadside assistance. Progressive offers competitive insurance rates, and they have a wide range of coverage options. They are known for their online tools, which make it easy to get a quote in minutes online. You can also file claims and manage your policy online or through their app. Their customer service is generally speedy and reliable. They are known for the Name Your Price tool, which allows you to adjust your coverage levels to find the rate that makes the most sense for you. Progressive has a wide range of discounts available, and most customers end up qualifying for at least one.
You can only get the roadside assistance add-on for Progressive if you have comprehensive or collision coverage. Those types of coverage may not make sense for everyone as they are more expensive than basic liability coverage. If you don’t want to invest in this type of coverage, you may be better off looking for an external source of roadside assistance coverage.
Overall, Progressive’s roadside assistance service stacks up well when compared with other insurance companies. They offer a broad range of services, and the add-on is affordable if you already have a policy. While you may not switch to Progressive purely for their roadside assistance services, it’s a great service to add on if you already like their car insurance policies.