Rental reimbursement and roadside assistance: worth it?

Two inexpensive add-ons, and how to tell if you need them.

Rental reimbursement and roadside assistance are optional add-ons that often cost a few dollars a month each. Whether they are worth it depends on what you already have.

Rental reimbursement

Pays for a rental car while yours is being repaired after a covered claim, up to a daily limit (for example $30 or $40 a day) and a maximum per claim. It applies only when the repair is covered under your policy, usually collision or comprehensive.

Worth considering if you have no second car and rely on driving daily.
Check that the daily limit matches rental prices in your area.

Roadside assistance

Covers towing, jump-starts, lockouts, flat-tire changes and fuel delivery, subject to limits.

You may already have it through a new-car warranty, a credit card or an auto club membership.
Some insurers count roadside calls as claims activity; ask how they are treated.

When comparing quotes, note whether each quote includes these add-ons so you don't compare a basic quote against one with extras.

This guide is general information from Quote Pro Auto, not insurance, legal or financial advice. Coverage rules vary by state and insurer.