Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 19, 2021

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Important facts to know...

  • There are some coverages you may want to consider when shopping for insurance that can offer you this peace of mind
  • Ask about roadside assistance coverage as you shop for car insurance
  • Compare multiple policies in order to find the coverage you need

How many times have you locked your keys in your car and felt panic set in as you realized that you were stranded on the side of the road with no help in sight?

In our present world today, you can never be too careful. You want to avoid any situations in which you are left by yourself on a deserted highway or alone on the side of a freeway. You cannot depend on the help of strangers because you never know who will stop by.

Rather than taking your chances that the person will be someone you can trust, why not look into options on your car insurance that will help you out in a bind like this?

Compare car insurance options today by entering your zip code into our free rate tool above.

Yes, that’s right, there is a type of coverage that will cover lockouts. It’s called roadside assistance coverage.

What is roadside assistance insurance?

Roadside assistance insurance is a smaller, lesser-known coverage that many people do even know exists. Roadside assistance insurance will help you if you have vehicle trouble on the road or even at home.

The services it covers can vary, but generally include: towing to the nearest repair station, flat tire replacement, jump starts if your battery goes dead, locksmithing services if you get locked out, fuel delivery if you run out of gas, rental car discounts if you need to rent a car temporarily.

This coverage is only a few dollars per month, a small price to pay for the assurance that you will have help at your fingertips should you find yourself stranded or in a lockout situation.

Investopedia lists roadside assistance coverage as one of the most important extra coverages that you may want to look into when choosing an auto insurance plan.

Sometimes a roadside assistance plan is known as “emergency road service” because it covers any situation that you might encounter on the road.

If you have a situation that requires assistance, you should call the insurance company to explain the issue, Your company will review your policy to make sure you’re covered by your roadside assistance policy.

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What does emergency road service cover?

In addition to lockouts, emergency road service usually covers the following types of situations. Check with your insurance company to see which situations apply to your auto insurance policy.

  • Emergency 24/7 towing and wrecker service (within a 50-mile radius) – When you are stranded by the side of the road, the most important thing you want to hear is, “A tow truck is on the way!” Roadside assistance helps you get immediate help no matter what time the day or night when you need it.
  • Mobile car mechanic and jumpstart battery services – If your battery dies or you need someone to restart your battery, this type of coverage will cover that too. They are not meant to fix your vehicle of what ails it completely, but they will get you to safety and tow your car to the nearest mechanic’s garage.
  • Lockout service – Emergency road assistance insurance will cover lockouts, as we mentioned before. You have to ask to opt into this coverage specifically.
  • Mechanical failures – You never know when your car will decide to take a vacation, with or without you! Even if you run out of gas, roadside assistance will send someone to help you out with gas delivery.
  • Flat tires and a dead battery, etc. – Whatever the situation, it’s nice to know that your roadside assistance insurance is there to help. Remember, once you purchase the insurance, you will not be billed for the wrecker, towing service, or other costs when they come to help you with your car.

Is roadside assistance necessary?

Some people think that having roadside assistance coverage is a waste of money. The rule in insurance when it comes to how people think is that it is not important until they have to use it!

With this rule in mind, think about the last time you were stranded because you had a flat tire, ran out of gas, or your car got overheated?

It may be worth the extra insurance premium you pay for the sense of security that you get from knowing that you will not be left alone if this happens to you.

It is not required by law, but it is a convenient extra that you can add to your insurance policy. Also, if you check on the cost of a locksmith, you may see that it will save you more money than you think.

Typical locksmiths charge from $35-$150 including the mileage that they have to travel to get to you. This charge is an out-of-pocket expense if you don’t have the extra insurance.

It’s a small price to pay for peace of mind, especially if you plan to travel to other locations where you are unfamiliar with who to call in emergency situations.

What other optional coverages to consider?

This article is about locksmith services and how roadside assistance or emergency road service coverage can help you avoid the costs of paying for this service from your pocket but there are other options that you may want to consider when choosing an insurance plan.

Some of them are listed below.

  • Personal injury protection – Sometimes people decide that the amount they received from your insurance when you were at fault in an accident is insufficient to cover their injuries. In some of these cases, they may sue you to obtain damages for your negligence. PIP can save you thousands of dollars in court costs and legal fees.
  • Uninsured/underinsured – Many people drive illegally and without proper insurance coverage. If one of them hits you and causes damage, your uninsured or underinsured motorist coverage will help pay the damages.
  • Medical coverageMedical coverage may sound like health insurance but it is not the same thing. Many people mistakenly think that if they have health insurance, they don’t need this coverage. It can be a great supplement to your health insurance if your injuries are not covered by your health insurance.
  • Car rental insurance – Can you afford to go on very long without your car? Rental car coverage is an affordable coverage that allows you to have access to a car rental for up to two weeks or more (depending on the auto policy) while you are having your car repaired.
  • Collision/comprehensiveCollision and comprehensive insurance are often grouped together. However, they are two separate types of coverage. Some insurers may offer a discount for buying both types of insurance at checkout. Remember that comprehensive coverage does not cover accidents.

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How to shop around before you buy

The key to getting the best deal on your car insurance is to shop around before you buy. Get a quote from at least three insurance carriers,, ask questions about the various optional coverages, and ask the advice of a seasoned insurance expert.

Only by looking at different policies will you start to understand what is best for your situation. Remember, it’s better to have insurance that covers a wide variety of conditions.

And it’s great to know that when you are locked out or stranded, roadside assistance is at your service!

Enter your zip code into our free comparison tool to find the best rates for the car insurance you need.

References:

  1. http://www.investopedia.com/financial-edge/0611/car-insurance-add-ons-that-may-be-worth-the-money.aspx?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186
  2. http://home.costhelper.com/locksmith.html
  3. http://www.injurylawyersandiegoca.com/blog/med-pay-coverage/
  4. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  5. http://www.iii.org/article/auto-insurance-basics-understanding-your-coverage