Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Will requesting roadside assistance impact premium increases in the future?

I paid my insurance company for the Roadside Assistance benefit. I had a couple of flat tires so I called to request RA. A few months later, my agent called to say that my premiums were going up if I made one more call to RA. Is that typical? If so, what is the point in paying for RA and then claiming it only to have your rates go up?

Apr 5, 2019 Madison, AL

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 9+ years of Experience in the Insurance Industry

Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times. This may be why your insurance rates will go up after the third claim. Since having roadside through your insurance company does impact your rates, you may want to consider an alternative roadside assistance program. Checking out our comparison of different roadside assistance programs will be helpful. Good luck and if you have any questions, don't hesitate to ask.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

In Alabama, does the car insurance follow the driver or the car?

In my experience, it's always the rule that car insurance follows the vehicle, not the driver. So, although the person who hit your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation. Meaning, your daughter would be contacting their insurance…
Jun 15, 2018 Auburn, AL

Can I use my roadside assistance if I'm in my friends car?

Unfortunately, when you have roadside assistance through your auto insurance company, including Mercury, that service is only available for the vehicle that the coverage lists. However, there are other roadside companies (like AAA) that will allow you to use the program no matter whose vehicle you …
Feb 20, 2019 Stockton, CA

Can my fiancé and I share an insurance policy?

Thank you for reaching out to us here at The Zebra. You can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors. They can shop you around with carriers we partner with in your state, in order to find you the best policy that meets your needs. If you are interested, yo…
Jul 22, 2022 Birmingham, AL

Does liability cover my damages caused by a windstorm?

Unfortunately, no. The damage to your car will not be covered if you only have liability insurance. Liability insurance only covers damages and injuries that you cause to others. There is no coverage to repair any damages to your car. Comprehensive coverage would cover your car for damage caused by…
Aug 16, 2018 Briliant, AL