Having towing coverage with your car insurance provider frees you from the hassle of calling around to track down a repair shop that offers towing. Availing of towing and labor coverage offers you convenience and security.

Additionally, towing isn't cheap―especially if your car needs to go a long distance. Depending on the terms of its program, your insurer will foot either the entire towing bill or part of it. Some carriers might pay for a tow to any service shop within a certain radius (such as 15 miles), and then pay for travel to an authorized repair shop outside the coverage zone.

Many car insurance companies offer towing as a standalone service, but many package it with other emergency services, like:

Ask your insurer for full details of its towing or emergency roadside service.