When buying a car insurance policy, it's very tempting to go with minimal coverage. Insurance protection might be mandatory in your state, and you figure that as long as you carry the state minimum limits you should be good to go. What you may not be factoring in is the risk that you take every time you get behind the wheel. So much can happen when you are out on the road, and it's just not advisable for you to put yourself in a position that could leave you stranded. Padding your policy with towing coverage is one of the best ways to protect yourself. You need towing insurance for some of the following reasons:

Family & Friends May Not Be Available In An Emergency Situation

If you are thinking about declining the towing coverage because you are relying on friends or family members to help you during a vehicular breakdown you need to rethink this idea. The people in your life probably care a great deal about you but they also have responsibilities of their own. Coming out to assist you in the middle of the night could be nearly impossible for many of those who are closest to you. It's better to have a solid backup plan in place so you are sure that if you need assistance it will truly just be a phone call away.

Towing Coverage Is Quite Affordable

You also need to compare and contrast the price of adding towing coverage onto your policy as opposed to calling a tow truck driver on your own. It usually costs very little to add towing assistance onto your insurance policy. If you call around to different towing companies and ask how much it would cost to have your car moved to a maintenance facility in the event of a breakdown the prices are probably going to be quite expensive. One towing episode could end up costing just as much as you would have spent on simply having the protection in place for many years!

No matter how reliable you think your car may be, preparation is always the key to winning in life. No need to stress yourself out with fears about how you're going to move your car off of the highway because the transmission gave out while you were taking a long road trip. Call your insurance company and add the towing coverage so you can be ready for whatever comes your way.

Contact a business like John's Wrecker Service to learn more about towing services.