What Does Progressive Roadside Assistance Cover? (2022)

An Overview Of Progressive Roadside Assistance

Progressive roadside assistance is offered as additional coverage, which means you buy it on top of your existing Progressive car insurance policy and it cannot be bought independently from a Progressive policy. This coverage can be used for a car, RV, or motorcycle. You can even purchase a similar “waterside” assistance policy for boats.

Here are some of the details of what exactly Progressive roadside assistance covers:

  • Towing: Progressive will arrange to tow your vehicle anywhere within a 15-mile radius or to the nearest qualified repair shop. You will have to pay for further towing.
  • Winching: Progressive will arrange to pull your car from a ditch, snowbank, or any location in which it’s stuck.
  • Battery jump-starts: If your car has a dead battery, Progressive has you covered.
  • Fuel delivery: You still need to pay for the cost of fuel, but Progressive will cover the delivery fee if you run out of gas far from civilization.
  • Battery charge for electric cars: Progressive will pay to tow your car up to 15 miles or to the nearest qualified charging facility.
  • Lockout service: If you lock your keys in your car, Progressive can send a locksmith.
  • Flat tire change: A mechanic will be sent to change a flat.
  • On-scene labor: Progressive will pay for up to one hour of professional roadside maintenance.

There is a limit to the number of roadside events your policy will cover in a year, so you can’t request Progressive towing service every day. Check your policy limits – some services may vary from state to state. Price may also fluctuate, but expect to pay around $16 a year on top of your existing insurance premium.

In the case of an emergency, you have two choices with Progressive towing service coverage. You can either reach out to Progressive, who will dispatch a local towing company on your behalf, or you can call the towing service directly and Progressive will reimburse the cost.

Reimbursement requests can be handled online, or you can mail your receipt to Progressive’s roadside assistance office in Massachusetts:

Progressive ReimbursementsPO Box 9147Medford, MA 02155

What you can claim for towing and labor coverage

While towing and reimbursement coverage usually comes with the comprehensive coverage part of your policy, it’s a good idea to speak to an agent and double check before you find yourself in need of a tow. For an additional fee included in your premium, towing and labor coverage may provide reimbursement for services such as:

  • Towing expenses from where your car broke down
  • Labor expenses for repairs where the breakdown occurred
  • Lockout service
  • Fuel/Oil delivery
  • Loaned battery
  • Tire change

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Outside Services

If you opt to use a licensed service provider of your choice, you will be required to pay for the service at the time of the disablement. We then will reimburse you if the service is covered and written verifiable proof of the expense (including your Wawanesa policy number) is provided to us within thirty (30) days of the date of service. The benefit limit using this option is $50 per disablement. Lockout Services benefit limit is $100.

  1. The Sign and Drive Option is not available in some U.S. Territories. For these instances, compensation will be made in the form of a reimbursement.

Roadside Assistance

Consider adding Roadside Assistance to your policy in case your vehicle breaks down on the road. Roadside Assistance coverage will cover the cost of towing your vehicle to the nearest qualified repair facility. Roadside Assistance also covers labor, up to one hour, including:

  • Flat tire change
  • Battery jump-start
  • Emergency fuel and fluid delivery
  • Locksmithing

If you have Roadside Assistance coverage on your policy, the easiest way to use it is to call us at 855-577-0233. We’ll send a service provider to you to get you up and running as soon as possible. Once the provider takes care of your car, you just sign the invoice and drive away. We pay the bill, and you pay nothing out of pocket (unless, of course, you request work that isn’t related to the break down).

If you contacted and paid for a Roadside Assistance service provider on your own, please send your receipt/invoice to Progressive Roadside Assistance, PO Box 9147, Medford, Mass., 02155. You’ll need to include your name, policy number, the year/make/model of the vehicle that was serviced and a return address. Once we verify your coverage is in order, we’ll reimburse you for your expenses, as long as they’re within coverage limits.

Our Recommendations For Roadside Assistance

Roadside assistance coverage is not very expensive and can easily pay for itself. Think about how often you’ve had to use a towing, winching, or locksmith service in the past. If it is at least once every few years, a roadside assistance add-on may be worth it.

While the Progressive roadside assistance program compares well with competitors’ programs, we don’t recommend choosing a car insurance provider based on the emergency roadside assistance program alone. Decide which types of car insurance you need for your primary policy and go from there. You can compare quotes from top auto insurance companies by calling (844) 246-8209 or by entering your zip code below.

 

We think that Progressive, Geico, and AAA have some of the best roadside assistance options, and we’ve rated each of these companies highly among insurance providers more generally as well.

Progressive Insurance: 4.5 Stars

Progressive coverage is affordable and offers a number of valuable add-ons like rental car reimbursement, custom parts and equipment value, and roadside assistance. While its roadside assistance is a little more expensive than other providers, it is also the most comprehensive. We think most customers will be satisfied with Progressive’s towing service.

We also like Progressive for its plans for high-risk drivers, including drivers in their 20s and those with DUIs on their driving record. Plus, Progressive is highly rated by industry professionals like AM Best.

Geico Insurance: 4.5 Stars

Geico has some of the lowest rates in the industry and consistently earns high marks in customer satisfaction. Its roadside assistance program has some important and useful features, including towing, winching, and lockout service, and its roadside assistance app makes it easy to get help on the road.

As the second-largest insurer in the nation, Geico has extensive options for coverage. One that stands out is mechanical breakdown insurance, which could complement a policy with roadside assistance.

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