Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim. However, 5 years is usually the longest you should be impacted The good news is, most companies do not charge that much for a towing claim. Since the insurance company didn't pay that much for the claim in the first place, I'd look into getting a different roadside service. At The Zebra, we have an unlimited roadside product that would be separate from your insurance policy and would not impact your rates if you used it. Also, you would be able to remove the roadside coverage from your insurance policy which would lower your premium. You can give us a call at 888-444-8949. Good luck and if you have any other questions, don't hesitate to ask
is more information related to roadside assistance.