Whilst an emergency roadside assistance plan can be quite reasonably priced, many people still hesitate to spend their hard earned money unless it's really a necessity. Although you can certainly live without an emergency roadside assistance plan, it might just be something that you'll find to be a very worthy investment. Here's what you need to know about buying an emergency roadside assistance plan. 

You Can Choose Your Coverage

You can control the price of your roadside emergency assistance plan by choosing your coverage. For example, emergency roadside assistance plans include towing for those times when your car breaks down. If you choose a plan that allows for unlimited towing, it's going to be more costly than the plan that allows just three tows per year. Opting for the limited number of tows can cut the cost to the point that it makes financial sense for you.

Another area where you get to choose is the covered circumstances. You can opt for emergency roadside assistance that includes every instance of car trouble -- even running out of petrol or locking yourself out of your vehicle. If you want to cut the cost of your emergency roadside assistance plan, you can opt for a plan that covers only mechanical failure. 

You May Be Able to Add Emergency Roadside Assistance to Your Insurance

Whilst most people think of emergency roadside assistance plans as something that is purchased independently, it's actually available as part of your car insurance in many cases. You may even get a discount on the emergency roadside assistance plan, as you're already purchasing auto insurance from the same provider. 

Speak with your auto insurance company about what kind of emergency roadside assistance that they offer. Make sure that it's comparable to -- or even better than -- that which you could purchase independently for the same cost. One of the big advantages of buying your emergency roadside assistance plan in this way is that you'll be able to make small monthly payments at the same time as your auto insurance payments. You'll hardly notice the difference in cost, especially if it's automatically debited from your bank account or debit card along with your insurance payments. 

The Bottom Line: Is Emergency Roadside Assistance Worth It?

For most people, the answer is an emphatic "yes." An emergency roadside assistance plan can pay for itself in just a single tow. For example, if you're dealing with a truck breakdown, you'll already facing the cost of truck repairs. With an emergency roadside assistance plan, at least you won't have to add high towing fees to that cost. Contact your insurance agent or your local emergency roadside assistance plan provider to learn more today.