If you have ever had a car break down, a tire blow, or an accident, you know that they never happen in a convenient place, with phones and lights and people all around. No, these things never happen in the best of locations, or at the best of times, and if you asked that person stuck in the middle of no where in the black of night, the answer to the question is a resounding yes.

Emergencies are called that because they were unplanned and because making things better is imperative. There is no waiting around if it is midnight, and the temperature is four below and your car is sitting on a flat. Of course, your cell phone went dead just after you made the call to get the emergency tow service in the first place. Could things get worse?

Well, yes, things could get a lot worse, and fast. If you skimped on the deductible, or on the policy itself, hoping to save yourself a few bucks, then your emergency tow is going to get pricey, very pricey.

A reliable tow company can cost quite a bit, especially if a repair on the road cannot be completed and the vehicle must be towed to another location. The farther away from civilization the mishap occurred, the higher the expense will be.

Your policy premiums go up with each additional amenity or benefit that is added to it. Deductions are made for safe driving, safety features on your car, and multi-car discounts, but you can use those savings to bump up your coverage until you feel adequately covered. Drive through a lot of deserted areas to and from your destinations? Drive a lot of miles? Take a lot of solo trips? For all of these reasons, the higher premiums for emergency towing is well worth it.

If you are a parent of a teen that is away at college, it is worth the peace of mind. How would you feel if little Joannie was coming home for a visit and got stuck along the road for hours, cold, alone and afraid?

Consider the cost of adding the tow service to your insurance policy as compared to an auto club membership. Sometimes the cost is comparable making it just as easy to add to your existing insurance policy, and sometimes the cost is far higher.

Comparison shopping is key to getting the best deal.

As always, check the limits to the towing policy. Is there a mileage limit, for instance? How many service calls per month are you allowed before they are no longer covered? Which services are covered and which are not? Some policies will cover locksmith services, and others will not. If you have special tires, or a higher end vehicle, find out if your policy covers flat bed service if you need a tow. Some tow drivers will not even attempt to hook up certain cars and trucks, and certain tires will not allow towing. It is best to know exactly what service you have and what to expect, especially before heading out for that trip through the miles of cornfields and cow pastures.

Here at Atlantica Insurance we will help you compare the best rates to add emergency towing insurance to your policy. Give us a call. We will work with you!