Towing insurance can be really cheap if added in with your car insurance.
State Farm charges us $3.80 every 6-month policy period. That's per car, so
in total for our 3 modern cars we pay $22.80 per year. I don't insure any
of my collector cars with them, so I don't know if the rates would be the
same for a Triumph or whatever. I bet towing insurance for an MG would cost
LOTS more though ;-)
And they will tow to your house, not just to the towing company's shop. You
hire any towing operator you wish - you can call the same guy AAA uses or
anyone else you choose. All you do is pay the towing operator and then
submit the bill to your insurance agent. I've had a few tows over the
years, I've been paid 100% each time and I've never even had to explain
where or why I needed a tow.
Towing coverage is listed as "Emergency road service" on the insurance
bill - presumably they'll pay for other road service (like a jump start or
tire service), but I never asked.
Karl Vacek
> >I never really understood the appeal of AAA. Some folks seem to believe
> >that without AAA, you will be forced to sit stranded on the side of the
> >road until you slowly die of starvation. Even without AAA, you can still
> >call for help. You just have to pay. So now it just becomes a financial
> >decision. How often do you break down? How much does a tow cost? How
> >much does AAA cost?
>
> AAA -- About $100
>
> Tow company -- $50 hook charge, $5/mile
>
> If you break down 100 miles from home....
>
> You do the math.
>
> It's like any other insurance policy, you hope you never have to use it
but
> if you do you'll be glad you paid. Also, all the free maps you want!!!!
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