>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 ;-)
State Farm charges less than $5/six months for my Land-Rover. I'm
much too lazy to check if that's the same as my other car, or not.
>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.
That depends on the insurance company. We tow where I work, and I've
fielded calls from insurance companies wanting to know why we towed a
car to this dealer instead of the closer one. ("The customer paid us
to." tends to throw them for a loop.)
>
>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.
Depending on the policy, it'll cover things like road service (tire
changing, fuel delivery, jump starting, and lock outs) as well as
towing. There's usually a coverage cap.
|