Is State Farm Roadside Assistance Appropriate for Older Cars?

If you are already a State Farm insurance policy holder you may be considering their roadside service to add additional coverage.  There are some things that you should know about this assistance before spending any money or signing on the dotted line.  If you own an older car you may wonder if this type of assistance, from any company, is appropriate.  It is more than appropriate because older vehicles tend to break down much more frequently than a new car would.

Why Older Cars?

Anyone who drives an older car knows that there are issues with them that tend to crop up from time to time.  One good thing about older cars is that you tend to know what the problems are so getting rid of them is difficult to do.  You never know what issues you’ll have with a new used car.  Having roadside assistance can be a blessing in disguise because you can at least be assured that if there are any mechanical issues while you’re on the road, you can get your car to a mechanic quickly.  Just keep in mind, with State Farm, you have to pay up front and then wait until they send you a reimbursement.

What about New Cars?

While a new car should also have roadside assistance but State Farm is not really appropriate for them.  Another company that offers more benefits would be a better option for new cars because of the cost.  When you’re paying the high prices that State Farm charges and you never use their service then you’re basically paying for nothing.  With a new car, you need more perks from your roadside assistance company in order to justify paying for it.  If you choose a different company, your cost would be lower and you can use the other perks such as discounts at hotels to make up for the added expense.

While anyone with an older car needs to have a roadside assistance plan, new vehicle owners would do well to have coverage as well.  Just make sure you choose a company that doesn’t require you to pay for services up front and that have added perks that make the cost more affordable.  Not all companies charge an arm and a leg for roadside assistance so it can be cost effective even when it is not used.  It’s just that safety net that allows you the assurance that no matter what happens or how much money you have, your vehicle or you won’t be stranded.