WHY ROADSIDE ASSISTANCE MATTERS

A ROADSIDE STORY

Many drivers take roadside assistance for granted. Some driver might not even know they have it. I personally cannot tell you the number of times that roadside assistance has come to my rescue. Locked keys, flat tire, or battery jumps; roadside assistance is a wonderful tool.  “I can jump my own car” some might say. My response is to imagine the following…

EYES ON THE ROAD

It is the middle of the week. With just a quarter past ten, the streets seem to be clear. With limited cars in sight, you can probably shorten the stretch in reaching your cozy destination. Then suddenly, so you see something. Up ahead, a man frantically waves his hand at oncoming vehicles but none stopped. Then you pull over.
This middle-aged guy Jimmy tells you that his automobile won’t start shortly after you came out of your pick-up truck. He has stopped at a convenience store in order to buy some bread. When he started the engine, what he hears is the tapping sound akin to someone tapping on a Morse code apparatus. Then it hits you.
So here you are, offering roadside assistance to somebody. A lot of scenarios suddenly pop out of your head. Do have the necessary tools to help the guy out? More importantly, do you have enough knowledge to jumpstart his automobile?

LEFT SOMETHING OUT

Let’s try to backtrack here a bit. Prior to jumping into your car, there has been no indication that you’ve taken the necessary preparation for a road trip. Although vehicles usually have tools, there is no guarantee that these materials are complete. Missing out on trip preparations can, at times, be disastrous for you.
For instance, even if you have the alligator jack or the lug wrench but you forgot to bring the early warning devices, changing a flat tire can still be dangerous for you. So preparing the necessary tools is definitely vital.
Going back to the guy who needed road assistance, it will be a double whammy if he himself had not brought in the necessary materials. It will even be more disastrous if, like you, he has a very limited knowledge about fixing cars.

WHAT NOW

You must take note that troubles on the road are doubly catastrophic if it happens in solitary or less populated highways. How will you and that person you intended to help get through the problem? Here are the practical approaches to this predicament.
Primarily, you need to have the contact numbers of your mechanics with you. That way, you can call them up when you need roadside assistance. It also helps if you know the area that you are treading on the way to your destination. Doing so allows you to have the exact locations of nearby service centers.

LEARNING TRULY HELPS

Secondly, it is best if you have at least some practical know-how about vehicles. The tapping sound on the car of the person you’ve tried to help can probably be attributed to loose battery terminals. However, you will not know that unless you have previous knowledge about such thing. The truth is you don’t need to be a mechanic in order to survive on the road. Having some solutions about common automobile troubles is all you need.
Third, you need to be receptive about the situation that you are in. The guy who needed your assistance may have parked his car properly but in most roadside troubles, the cars usually stall or lose power in the middle of nowhere. Now that is very dangerous. Imagine yourself being in the center with speeding vehicles zooming around. That early warning device will come in handy in such situation.

BRING IN THE ESSENTIALS

To sum it all up, you need three things to keep roadside assistance essential. Preparation is key to everything. One, you need all the numbers from people that will help you in case things get complicated on the road. Talking about contact information, you should take note that this is not only limited to mechanics and towing companies. This also means that you should be able to reach persons with authority like policemen or firemen. At some point, these people will provide you with the resources or services that you need.
Two, acquiring practical knowledge about car troubles will not hurt you. In fact, it will be your gateway towards greater facts where automobiles are concerned. Three, equally important is that sense of awareness. Car troubles always happen unexpectedly. You need to be on top of the scenario when that happens.

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Finding Cheap Full Coverage Car Insurance

Chances are you’ve heard about full coverage car insurance, but you might not be fully aware of what it actually covers or where you can find it. Here’s what you should know before deciding whether it’s right for you.

What is full coverage insurance?

Full coverage car insurance sounds great, but the term is a bit misleading. “Full coverage” generally refers to policies that include collision and comprehensive insurance — which actually cover very specific risks — in addition to liability insurance.

What does full coverage car insurance actually cover?

Many states mandate that drivers buy only a small amount of auto liability insurance. If you cause a crash, this coverage helps pay for the treatment of other people’s injuries and repairs to their property. But liability insurance won’t pay to repair your vehicle or cover incidents that don’t involve crashing into other vehicles or pedestrians. Collision and comprehensive insurance fill these gaps:

  • Collision coverage pays for repairs to your car if you cause a crash with another vehicle or run into an object, such as a tree or a telephone pole.
  • Comprehensive coverage pays to repair or replace your car if it’s stolen or damaged by a covered cause, such as an animal collision, weather, a falling object, fire or vandalism.
Find the cheapest car insurance for you

How much is full coverage car insurance?

Comprehensive and collision coverage give you much better insurance protection, but they also mean higher rates.

To get an idea of how much higher, Autowrranty sampled rates for liability-only policies and full coverage auto policies in three states: California, New Jersey, and Ohio.

 The price of full coverage car insurance isn’t chump change:

  • Adding it raises Ohio car insurance rates by $362 per year — and that was the most affordable state we tested.
  • It raises New Jersey car insurance rates by $606.

But just one comprehensive or collision claim can make the cost worth it. Replacing a stolen car or repairing your vehicle after a crash could mean paying thousands of dollars out of your own pocket if you don’t have the right insurance.

Where to buy full coverage car insurance

Full coverage is commonly available from any auto insurance company. We looked at average prices from the four largest car insurers for a policy that includes liability, collision, comprehensive, uninsured motorist bodily injury coverage and other state-required coverages where needed. State Farm was the cheapest option, on average.

Who needs full coverage car insurance?

If you finance your vehicle, your lender might require you to buy full coverage. Aside from that, comprehensive and collision are optional, although some insurers don’t let you add one without the other.

Comprehensive and collision coverage are particularly sound investments if:

  • You have a new or expensive car.
  • You regularly commute in heavy traffic.
  • You live in a place with extreme weather, high car theft rates or a high risk of animal collisions.

However, the older your vehicle and the lower its value, the less benefit there is to have full coverage. Imagine it costs you $600 per year to add comprehensive and collision and you have a $1,000 deductible, which is the amount your insurer will subtract from a claim payment. If your car is worth only $2,000, the net value of a claim check would be $1,000 at most — so if you carry full coverage for more than a year, you won’t be able to get back more than what you paid. Checking your car’s current value at the National Automobile Dealers Association‘s website can help you decide whether full coverage makes sense.

Even with full coverage, there are other policy options you might need. For example, uninsured motorist protection, towing and labor service, and medical payments insurance all provide coverage that collision and comprehensive won’t.

How will various policy changes affect your rates? You can get insurance quotes using the Autowrranty tool and compare estimates to see for yourself.

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