Most emergency roadside programs are designed to be very similar and State Farm is really no different. Every minute counts when your vehicle is broken down on a desolate road and you need help fast. The table below gives you a nice snapshot of popular emergency roadside programs sold by nationwide auto insurers, including State Farm.
The above table makes it clear that State Farm is more expensive than other plans but just as comprehensive. For towing, they will only pay for the cost of a tow to the nearest repair center, so if you want to go any farther, you will need to pay for it on your own. State Farm also will not charge your electric vehicle if it breaks down. Finally, while other insurance providers might offer emergency travel reimbursement , State Farm does not. As long as you have basic auto insurance coverage with State Farm , this add-on option will be available to you.
Some other insurance companies put a mileage limit on the amount of towing they will pay for. However, State Farm will pay for your towing to the nearest repair center, regardless of how far away it is.
Many states require you to inform the DMV when you cancel or change your car insurance. Check with your State Farm agent to see if this step is necessary in your state. And if you sold your car, you may need to provide a copy of your bill of sale. Sign and date the letter and mail the letter at least two weeks before your intended cancellation date.
The letter should be sent to. To cancel your policy in person. Step into your nearest State Farm office. And if you sold your vehicle, you may need to bring the bill of sale.
State Farm Roadside Assistance covers mechanical labor at the breakdown up to one hour, towing to the nearest repair location if the covered vehicle is not driveable and towing if the covered car is stuck on or immediately next to a public road. Also covered by State Farm Roadside Assistance is the delivery of gas, oil, battery or change of tire. But be aware the costs of these items are not covered. State Farm Roadside Assistance also includes locksmith labor for up to an hour to unlock a covered car if the key is lost, stolen or locked inside the car.
Here are some items not covered by State Farm Roadside Assistance. Towing costs beyond what it would cost to tow your vehicle to the nearest repair facility. Labor costs beyond the first hour. If you do not have State Farm Roadside Assistance coverage, you will pay for the services at a competitive rate negotiated by State Farm. There are three tiers of membership at AAA.
Membership prices vary by your region of the country. For example, State Farm does not offer a winching and extrication service. And AAA offers winching in all three of its membership levels.
State Farm Roadside Assistance has towing only to the nearest repair facility. This is comparable to AAA Classic, which has towing up to five miles. For a car that you drive around town, having State Farm Roadside Assistance may be enough.
But if you drive long distances, the greater coverages for towing that come from AAA may appeal to you.
When compared with other roadside assistance programs offered by other auto insurance companies, State Farm Roadside Assistance comes ahead on price. Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. More Info.
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