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The Allstate Motor Club for Seniors

Seniors enjoy the benefits of discounts when they sign up for many different services including roadside assistance.  Their driving habits tend to be a bit tamer than someone younger who is working and going to school.  Families put a great deal more time on the road and this is why they tend to have higher premiums.  Seniors drive less so they shouldn’t have to pay the higher price.  When it comes to roadside assistance, Allstate Motor Club does offer a senior discount but it really isn’t worth it.

Are Recreational Vehicles Covered?

All of the plans are covered with the exception of the Recreational Vehicle plan which can be an issue for those seniors who like to travel.  Many Golden Agers enjoy getting out on the highway and touring the country rather than sitting around bored every day puttering in the garden or watching television.  They still feel that they have a great deal of life to live and want to make the most of it.  So those seniors cannot get a discount on their RVs and would have to pay full price.

If they are towing a vehicle to drive around while they visit the many different sites, there is a discount in this instance.  But the odds are that the RV will have problem before a vehicle that is only being driving one city streets.  While this may not seem like a huge deal, it seems a bit unfair that this discount is not available.

Why It’s Not a Good Deal

Even for the other plans, ten percent off is really not a great discount when seniors consider what these plans offer.  There are very few seniors who would find themselves in a situation where they need to be bonded out of jail.  Sure, there are the few who imbibe in alcohol and drive and for them; this benefit would be a necessity.  For those who do not drink, the odds that they ever get arrested are probably pretty slim.  And yet, this cost is figured in the price of the plan.  Other plans, such as Best Roadside Service, offer benefits that are necessary and this means the cost of the plans are much more affordable.

Discountable Age

As with most plans, a person isn’t considered a senior until they turn fifty five years old.  A savvy senior could shop around and possibly find a plan that is offered to drivers that are fifty years and older.  These are few and far between and tend to cost more, even with a discount.

Seniors who are still driving and who want to get a little break on much needed roadside assistance can find a better company than Allstate.  Best Roadside Service offers all the benefits and services that a senior would need without them ever having to pay a penny out of pocket.  As long as they stay within the terms of the contract, they can have the same service calls as any other member of a younger age.

Roadside Assistance Reduces the Cost of Towing Companies

Breaking down when on the road is never a fun thing to have happen particularly when you don’t have the money to have the vehicle towed.  Towing companies are typically not cheap and they won’t work with you on any type of payment plan so you would need to have the money up front.  In many cases, leaving your vehicle to get gas or someone to help you move it is a bad idea.  While you are away from the vehicle, it could get towed by the police department and placed in impound.  All this adds up to a great deal of expenditures when the cost could have been reduced.

Non Tow Charges

Have you ever parked in a no parking zone just to run in for a minute and you came back out and there was a tow truck getting ready to tow you?  You got very lucky if your car wasn’t on the truck already because even in this situation, you have to pay the driver to drop the vehicle from his truck.  Most tow companies will avoid towing you if you pay for the minimum fee which is typically between fifty and a hundred dollars.  That’s right; you have to pay even if you have not even been towed yet and are only on the lift.  So the next time you consider “running in real quick”, you may want to simply find a proper parking spot or you could be out some cash.

Once Your Vehicle Has Been Towed

So you didn’t get out of the store in time to stop the tow truck from driving off with your vehicle.  You are not only paying for the tow, but you are required to pay to get the vehicle out of the tow yard.  The towing fee also has to be paid.  This can run from anywhere between one hundred and three hundred dollars.  It doesn’t even matter if you show up on the very same day as your vehicle has been towed.  Once it is in their lot, you have to pay for a full day of your vehicle being there.

Impound Fees

Let’s say that your car breaks down on the side of the road and you get a friend to help you go get a part, spare tire or gas to get it running again.  There is a strong possibility that your vehicle has already been taken by one of any towing companies in your area.  If a traffic officer or highway patrol notices that your vehicle is disabled, they may call a towing company to avoid it creating a danger.  In this case, your car is not going to the tow yard, it is headed to the police impound lot.  If you think that a tow yard charges too much, you don’t want to see the bill from the police impound!

Having roadside assistance may not help if your vehicle is impounded by towing companies because you were illegally parked.  But, if your vehicle is disabled on the side of the road, instead of calling your friend to help, you can call Best Roadside Service and get aid.  They will bring you gas, change your tire or get your vehicle towed to a repair shop.   You don’t pay any upfront costs, all of the charges, even for the gasoline, are covered through your plan.

USAA Roadside Assistance vs. Best Roadside Service

Do you like paying twice for services?  Are you shocked when you expect a tow truck to come get you out of a bad situation just to find out that the road you are on is not incorporated so you have to pay for the tow?  If these questions sound familiar it could be because you have the wrong roadside assistance such as you would find with USAA roadside assistance.  These are common issues that are covered if you were to choose Best Roadside Service instead.

One of the biggest issues people have when they choose their roadside service is not the service, but lack of it.  Many times they fall into the trap of thinking that they don’t have to worry when they are in trouble because, hey, I paid a premium for this plan so I’m covered.  When they find out that they do not have coverage they are shocked, indignant and end up having to pay the costs for towing or other services they may require.  This is because not all roadside services are created the same and some offer more services for a better price.

In the examples above, this is what you can expect from USAA roadside assistance as they will bring you gas but you are required to pay for it.  With Best Roadside Service, the cost of the gas is figured into the premium you pay.  In some cases, you may be in between checks and you may not have the cash to buy gas.  If you could, you probably wouldn’t have run out in the first place, right?  So what is the point of paying for a service such as this one example if you still have a monetary output?  You could call a friend and have them bring you some gas and save the money on the premium.

Another example that was used was being in need of a tow and not being able to get one because of where your vehicle broke down.  This is a huge issue for most people because vehicles do not always have issues on the freeway or in the city.  Sometimes they break down off road and if this happens, you are not covered and have to pay for the towing.  This means you’re actually paying twice for the same service.  With Best Roadside Service, your vehicle is towed from any location and taken seventy-five miles free of charge.  Now, if you are further than seventy five miles from a repair shop you are required to pay the difference.  The cost is much lower than paying for the full tow though.

The sad thing about companies that are offering roadside service that are not solely in business for this purpose is that they do not really understand the needs of the driver.  With Best Roadside Service, this is why the company was created.  They are in business to provide roadside service for their customers and that is it.  They understand that a client does not always have the cash to pay for the gas and that sometimes a tow is needed even when in an isolated area.

Should You Choose Personal or Commercial Auto Insurance?

There are two main types of insurance that you can get for your car; commercial auto insurance and personal auto insurance.  These are two very distinct types of insurance and it is important to understand the nature of both before deciding between the two.  Each type has positives and negatives and each has a different price range.  All this information is vital in order make the decision on which insurance is right for you.

Personal Auto Insurance

Personal auto insurance is just that, insurance that is purchased for the use of you and your family and not for business reasons.  Your coverage is set to reflect the normal use that your vehicle goes through when driving the children to school or purchasing groceries.  If you are in an accident, your coverage reflects this type of driving and you would typically be covered.  You choose the amount of insurance you want when you purchase your policy.  For instance, if you only have liability insurance, your vehicle would not be covered if you are found at fault in an accident.  This also means anyone injured in the accident would not be covered either and this could become costly.

Commercial Auto Insurance

Commercial auto insurance offers a wider range of coverage than personal insurance and it is vital to have if your car is used at anytime for business purposes.  Even pizza delivery drivers need to have this type of insurance since their vehicle is used for work purposes.  If there were to be an accident in a car that was being used for work and the car only had personal insurance, the insurance company can refuse to pay the claim.  Another positive aspect of commercial auto insurance is that you can insure multiple vehicles and drivers so when the vehicle is used by another driver or in another vehicle, they are also fully covered.

Anytime a car is driven for business purposes it is vital to have commercial auto insurance in order to be fully protected.  If you own more than one vehicle you should have the same coverage on both.  This saves you in the event the business vehicle is out of commission and the other vehicle is driven for work.  While commercial insurance can cost a bit more, the difference in price is not as much as you might think and many find it quite affordable for the amount of coverage that is offered.

What a Roadside Assistance Towing Service Offers

When you order your roadside assistance plan you may not be aware of what it entails and what is covered.  Most services include bringing gasoline (typically three gallons) when you run out, fixing your flat tire and even sending you a locksmith when you lock the keys in the car.  The most popular service and the one that is used most often are towing your car when your car is disabled.  Nobody wants to leave their car on the side of the road or freeway which is why this is such a popular service.

Why Your Car May Not Be Towed

While you may think that a roadside assistance towing service will tow your vehicle for any reason, this is not always true.  There are some times when this is not covered in your plan and the main reason would be if you were in an accident.  The only way that your vehicle will be towed is if it breaks down due to a mechanical error.  In the case of an accident, if your vehicle is unable to start or to be moved, then you have to pay for the tow.  This is standard practice for just about every roadside assistance plan because the vehicle may be totaled so it would go to the impound yard rather than the closest repair shop.

Where Can Your Vehicle be Towed To

You may want to take your vehicle home to work on it yourself or to a friend’s house if they are a mechanic but this is not covered in any assistance plan.  Depending on the terms of the contract you sign, your vehicle can only be towed to a repair shop within a certain amount of miles.  So, if you are one hundred and fifty miles from your regular repair shop and your car breaks down, you may not be able to have it repaired there.  Instead, it will be taken to a certified shop that is within your plan’s mile limitation.

While a roadside assistance towing service is a great way to stay protected if anything mechanical happens to your car, there are limitations.  You should always read the fine print as some plans only take a vehicle five miles for free.  Choose a quality plan such as Best Roadside Service who offer longer distances of up to one hundred miles.  This way, you have a better chance that your vehicle goes to the repair shop that you want rather than the closest shop to the breakdown.

Get Student Discount Car Insurance for Making Good Grades

Student discount car insurance is available for young drivers if you know what to look for and how to go about finding it. If you’re under the age of 25, you automatically fall into the group of drivers that pay more for auto insurance than most anyone else does, especially if you’re male. The reason for this is that insurance companies classify drivers in this age group as high-risk due to lack of driving experience, since they’re just starting out and because statistics support it.

The only insurance company for vehicles that don’t penalize you for being a young driver is roadside assistance. They offer one price for all clients based on the type of plan you choose. This is good news since this type of service helps to make commuting from one location to another a little less stressful and safer. If you have an emergency, one phone call will have help on the way.

Driving takes skill and concentration that improves with practice, which is why your premiums begin to drop after you turn 25. After driving this long without any major issues, you earn the right to lower auto rates. However, that does not mean that you have to wait until you turn 25 to get a reasonable car insurance policy.

If you qualify, you can take advantage of student discount car insurance for making good grades. This discount can help reduce your premiums considerably to make your coverage more affordable.

What Is the Good Grades Discount?                  

Studies show that students who make good grades have fewer accidents and get fewer traffic violations than teenage drivers do with poor grades or that drop out of school. Statistics based on information collected throughout the years support this idea.

As a result, insurance companies offer student discount car insurance, which helps everyone. It reduces the risks of you having an accident that the insurance company will have to pay for, parents have lower premiums and students feel rewarded for studying and working so hard.

How to Qualify

In order to qualify for the student discount car insurance, you’ll need to show proof of your grades. Without this proof, you won’t be able to take advantage of the discount. Keep in mind that if your grades drop, you’ll lose the discount and your rates will go up. However, when they improve again, you can reapply for the discount. You’ll have to provide proof of grades every time you renew the insurance policy or you’ll lose the discount because it does not automatically carry over.

Home School Students

If you’re being home schooled, don’t worry. You can still take advantage of these discounts. The insurance company that you use will tell you what information they need before you can begin receiving the discount.

Once you provide the documents showing you’re being home schooled and show proof of your grades, this information will determine if you’re eligible for the student discount car insurance. For even more discounts, home school students can pass a defensive driving course. With the money you save on the student discounts, you can invest in a good roadside assistance plan.

How Much Coverage Comes with USAA Roadside Assistance?

In today’s world it is important to have as much insurance coverage as possible.  Things go wrong at the wrong time and if you are not prepared then you could lose a great deal of money.  One of the most popular types of additional coverage is roadside assistance.  This can save a driver tons of money and is offered through roadside assistance companies, mortgage brokers, credit card companies as well as insurance companies such as USAA roadside assistance.

The one thing that consumers need to look at when choosing the right roadside assistance for them is not how much it costs, as many would think.  Instead, it is important to look at how much coverage is offered for the cost.  Each company has different services and some companies are sorely lacking in what they offer.  It can take a bit of time to do all of the research but the work is well worth it if you don’t want to end up on the side of the road with no help whatsoever.

For instance, USAA offers changing flat tires which is a great service but you have to have your own spare tire.  You need to make sure that the one in your trunk is aired up and ready to go.  They deliver gasoline if you run out but you do have to pay for the gasoline as it is no free as a part of the assistance program.  If you lock yourself out of your car, you are required to pay for a new key but the locksmith service is covered.  This may seem like a good deal but with new cars the keys can run into hundreds of dollars.

Finally, towing is offered as a free service but this is only for those who are on public roads.  So, if you go fishing, camping or just visit a friend who lives in the country on a non incorporated road and you get stuck, you are literally stuck.  There is no service to help you out in this instance.  If you do get towed, it is only to the closest “preferred” repair shop and this not the one preferred by you, it is preferred by the company.

There are better deals on the market that offer free gas and other free amenities that are not offered with USAA.  The price is in the same ballpark, too so it’s not like you’re paying for these extra services.  This is the reason why it is so important to do your homework and shop around.

Is Allstate Motor Club Appropriate for Your Teen Driver?

It’s such a fun time for your teen when they get their very first driver’s license but it can be a stressful time for parents.  For the first time the parents of a teen have to realize that they are not their little baby anymore and it’s time to allow them more freedom.  That freedom also means the responsibility of driving and all that comes with it.  It is important to have some type of roadside assistance that can give both the parent and the teen the assurance that they can get home if anything goes wrong with the vehicle they are driving.  But is the Allstate Motor Club appropriate for your teen driver?

Places Teens Drive

In most cases teens don’t drive very far from home because their parents prefer them to stay close to home until they have more experience on the road.  In fact, many parents prefer that their teen drivers do not even venture on a highway or freeway because of the dangers involved.  A basic roadside assistance plan is really all that is needed to ensure that they can get back on the road or a tow if anything were to happen.  With Allstate, a teen cannot get their own assistance plan and have to placed, at a premium, on their parent’s plan.

Allstate Plans

All parents would like to think that their teens are not driving while intoxicated or committing any crimes at any time but in particular when behind the wheel.  So why are parents paying a high premium for arrest bond certificates when in most cases a teen is released to their parents rather than being taken to jail?  This is a cost that makes any Allstate plan quite expensive and it’s really not needed.  Parents are actually paying for other peoples criminal mistakes while trying to have an assistance plan for not only their teen but for the entire family of drivers.

When searching for a roadside assistance plan for a family that includes teen drivers, it is important to research every company fully.  This way you are not paying for services that are not needed and you have all the services that the family does need.  Because this type of assistance is insurance, it may not be needed each and every year but you don’t want to lose the coverage.  Why pay for something that is not needed when you can get the plan that is better suited to you and your family’s driving routine?

Better World Club Does Not Cover Commercial Vehicles

Roadside assistance is a very important coverage to have for your vehicle because you never know when your car may break down and need a tow.  There are many other services that come with this coverage and if you need it for your commercial vehicles, don’t bother looking at Better World Club.  They only offer assistance for personal vehicles and this can be a huge issue for many and in particular those who own a home based business.

Home Based Businesses

Many people are now looking at home based businesses as a way to add extra income to the household.  If you have started your own home based business and you have roadside assistance from Better World Club, then you are not covered when you are driving for business purposes.  Did you know that simply driving to the office supply store is considered a business trip?  If you run out of gas or need the battery jumped that you have to pay for it because you are not covered by this roadside assistance.  Of course this is in the fine print and most people simply skim over that portion of the paperwork considering it unimportant.  It’s not until they find out they are not covered that they realize their mistake.

Best Roadside Service Offers Commercial Assistance

For just pennies a day, Best Roadside Service offers not only personal but commercial roadside service.  There is no fine print that has these restrictions and you can purchase coverage for both your business and personal driving.  This is vital for anyone who uses their car to pick up their kids from school and then heads out to a business meeting after dropping them off at home.  Another huge benefit is that there are no reimbursements required with this assistance.  All you need to do is sign the invoice and carry on with your day.  There is nothing simpler than that!

If you own a home based business and you use your vehicle for both personal and business purposes then you need to have roadside assistance that covers both.  Thankfully there are companies out there that offer both types of coverage without any fine print that exempts business driving issues. The worst feeling in the world is calling for roadside assistance just to find out that you are not covered and cannot get the service that you need and for which you have already paid.

The Benefits of Roadside Assistance Towing Companies

Anyone who owns a vehicle needs to have insurance on them by the laws of every state.  There are no states that do not require this.  So any driver has this insurance but it does not cover any issues that may occur outside of accidents.  Roadside assistance helps to take care of these other issues that can crop up as a driver. There are many reasons why this type of coverage is cost effective and convenient.  One of the biggest bonuses is not paying the high prices that towing companies charge to get your vehicle to a repair shop.

Running Out of Gas

Aside from the high cost of towing companies, there are other benefits that are offered by having a roadside assistance plan such as can be purchased through Best Roadside Service.  First is having gasoline brought directly to you if you run out while on the road.  There may be times when you are running late and don’t have time to put gas in your car.  Sadly, this hardly ever works out in your favor.  You end up spending more time waiting for a friend or family member bring you gas.  With roadside assistance, the company brings out the gas to you in a timely manner.

Other Benefits

Say your tire blows out while driving and you have no idea how to put on your spare.  No problem, most plans cover the cost of replacing a flat tire and if you do not have a spare, they can bring those out to you as well.  Finally, you can also get a jump for free if you leave your lights on and your battery runs down.  It could be that your battery has simply run the course of its life and needs to be replaced.  Most service providers carry batteries on their trucks so if you need a replacement you can get one that is durable and cost effective.

While roadside assistance may seem like an unnecessary expense, when you look at the cost that towing companies charge to tow you, it is not that pricey at all.  Adding all the other extra services is just a boon for you and your family.  Typically you can have this assistance on either a particular vehicle, or each driver in the home can be covered.  Your roadside assistance plan can pay for itself for a year with just one free tow!