Which is Better for Roadside Coverage: AAA or State Farm?
Hi everyone! I currently have roadside coverage with State Farm, but I recently learned that using it counts as a claim. I’m wondering if I should stick with State Farm or switch to AAA. Is AAA a better option overall? Thanks in advance!
AAA or State Farm for Roadside Coverage?
When deciding between AAA and State Farm for roadside coverage, there are a few factors to consider:
Claims Impact: You’re correct that utilizing your State Farm roadside assistance can potentially count as a claim, which might affect your insurance premiums in the future. AAA, on the other hand, operates differently; using their services typically doesn’t impact your insurance.
Coverage: Look at what each provider offers in their roadside assistance packages. AAA usually includes services like towing, battery jump-starts, and lockout assistance. Depending on your State Farm policy, you may have similar coverage, but it’s worth comparing the specifics.
Cost: Consider the cost of maintaining both services. If State Farm is a part of your overall policy and affordable, it might make sense to keep it. However, if AAA offers more comprehensive coverage for a reasonable price, it could be worth it.
Service Quality: Research customer reviews for both services. AAA often has a solid reputation for roadside assistance, but State Farm may also provide quality service depending on your area.
Ultimately, it depends on your preferences and needs. If you’re concerned about claims affecting your rates, AAA might be the better option for you. If you’re happy with your State Farm policy and its pricing, keeping it could also be viable. Just make sure to weigh the pros and cons based on your specific situation.