is roadside assistance free with farmers insurance

Is Roadside Assistance Free With Farmers Insurance?

When you’re dealing with a breakdown or accident on the road, having emergency roadside assistance can provide invaluable help and peace of mind. Many major auto insurance providers, including Farmers Insurance, offer roadside assistance coverage either as an add-on service or included benefit with certain policies. But is Farmers roadside assistance actually free? Or do you have to pay extra for it?

The answer is that Farmers roadside assistance is not free. However, it is very affordable at just $12 to $36 per year, or $1 to $3 per month, depending on your state and vehicle. While not free, this minimal investment can really pay off the first time you need to call for emergency towing, tire changes, fuel delivery, and other roadside help.

Here is an overview of how Farmers roadside assistance works, what it covers, and how much it costs on top of your basic insurance premium.

Overview of Farmers Roadside Assistance Program

Farmers Insurance offers an on-demand nationwide roadside assistance program that can be added to new or existing auto insurance policies, It provides 24/7 access to the following emergency services if you experience a breakdown or accident

• Towing – Up to 15 miles included, additional distance fees may apply
• Flat tire change
• Fuel delivery – Enough fuel to get to the nearest gas station
• Jump starts
• Lockout service
• Winching if stuck on or off-road

The program also helps locate qualified repair shops and provides trip planning and traffic updates Farmers has a network of over 40,000 independent service providers across the U.S to help drivers get back on the road quickly.

The coverage applies to any covered vehicle on the Farmers auto policy, so family members have full access to roadside benefits. It can provide vital assistance if you experience a breakdown away from home or get into an accident.

How Much Does Farmers Roadside Assistance Cost?

While extremely useful, Farmers roadside assistance is not free like some other insurance providers offer. However, it only costs between $12 and $36 per year, depending on your state and number of vehicles covered. This works out to just $1 to $3 extra per month for access to emergency roadside help whenever you need it.

The exact cost is based on a few factors:

• State – Pricing varies a bit between different states
• Number of vehicles – Plans cover all cars on your policy for one price
• Type of vehicle – Rates are slightly higher for RVs and motorcycles

So a typical one vehicle policy may cost $24 per year for roadside assistance, while a three car policy may be priced at $36 annually. RV and motorcycle plans fall on the higher end of the pricing scale.

To get an exact quote for roadside assistance tailored to your situation, simply contact a Farmers agent. They can easily add it on to new policies or existing coverage.

Many policyholders feel that paying $1 to $3 extra per month provides good peace of mind in case of vehicle troubles away from home. It can really pay for itself after just one roadside callout.

What’s Covered by Farmers Roadside Assistance

Farmers roadside assistance plans cover a wide range of emergency services 24/7. Common covered benefits include:

• Towing – Up to 15 miles included to nearest repair shop or other destination. Additional mileage fees may apply.

• Flat tire changes – Assistance changing a flat tire with your good spare.

• Battery jump starts – Jump starting a dead battery to get your vehicle running.

• Fuel delivery – Delivery of 2 to 3 gallons of gas to get you to the nearest filling station.

• Winch-out service – Towing/winching if your vehicle is stuck on or off-road.

• Lockout service – Help gaining access if you lock your keys in the vehicle.

• Trip planning – Driving directions and support planning your driving route.

The coverage applies to any covered vehicles on your Farmers auto policy, so all family members have access to roadside benefits if needed.

Limitations and Exclusions

While very comprehensive, the Farmers roadside assistance plan does have some limitations and exclusions to be aware of. These include:

• Mileage limits for free towing (usually 15 miles)

• No coverage for repeat callouts for the same issue

• No reimbursement for services arranged without calling Farmers first

• Limited coverage for winching RVs, trailers, and heavy commercial vehicles

• Exclusions for severe weather conditions, unsafe situations, off-road driving, and vehicle overloading

So while very helpful in most common roadside situations, the coverage is not unlimited. Review the specific terms to see exact allowances and limitations in your state.

Adding Farmers Roadside Assistance to a Policy

If you want the peace of mind and convenience of Farmers roadside assistance, it is easy to add it on to new or existing auto insurance policies. Simply contact your Farmers agent to get a quote and add the coverage.

The annual cost is very affordable, between $12 and $36 per year depending on your state and number of vehicles. Many policyholders feel it is a worthwhile investment to ensure help is only a quick phone call away in an emergency.

You can also choose to remove the coverage later on if you decide you don’t need it. Just inform your agent at your next renewal. But for most drivers, the small price is worth it for the protection it provides.

Is Farmers Roadside Assistance Worth It?

At only $1 to $3 per month, Farmers roadside assistance can be extremely valuable protection at a very small cost. Key advantages include:

• Nationwide access to 24/7 emergency roadside help
• Coverage for all vehicles on your policy
• Quick access to services like towing, tire changes, and lockout service
• Helps you avoid risky situations if stranded or in an accident

While not free, the small price is well worth it for many Farmers customers for the peace of mind and convenience it offers. Contact a Farmers agent to discuss adding this optional coverage to your auto policy today.