Quick Answer: Costco auto insurance through CONNECT by American Family covers up to $100 per towing incident with their roadside assistance package. This covers towing to the nearest qualified repair facility within 15 miles. You pay nothing out of pocket for covered services, but longer distances or multiple tows in short periods may cost extra.
What To Do
Check your Costco policy documents for roadside assistance coverage. Look for “Emergency Road Service” or “Roadside Assistance” in your coverage summary.
Call the roadside assistance number on your insurance card or policy documents. For CONNECT by American Family, this is typically available 24/7.
Confirm towing distance limits when you call. The standard $100 coverage handles most local tows, but longer distances to specialty shops may exceed this limit.
Get a cost estimate from the dispatcher before agreeing to service. They’ll tell you if your tow will cost more than the $100 coverage limit.
Ask about alternative destinations if your preferred shop is too far. Sometimes a closer facility can handle initial diagnostics and arrange transfer later.
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Coverage Details
Costco auto insurance roadside assistance covers $100 per towing incident. This amount typically handles:
- Towing within 15 miles to the nearest repair facility
- Standard flatbed or wheel-lift towing
- One towing service per breakdown event
You’ll pay extra for distances beyond what $100 covers. Most local tows cost $75-150, so the coverage handles typical breakdowns. However, towing from highway to dealership often exceeds this limit due to distance.
The coverage resets with each separate breakdown event. If your car needs multiple tows for the same problem within days, some insurers limit repeated claims.
What It Might Cost
If your tow exceeds the $100 coverage:
- 16-25 miles: $125-200 total (you pay $25-100)
- 26-50 miles: $200-350 total (you pay $100-250)
- Specialty towing: Additional $50-150 for motorcycles, luxury cars, or difficult recoveries
Compare this to other insurers. Progressive covers up to $100 per incident with similar distance limits, while GEICO typically covers the first 15 miles completely.
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Stay Safe
- Never assume coverage without confirming current policy terms
- Get written estimates for tows exceeding basic coverage before authorizing service
- Consider your car’s value when deciding on extended towing to specialty shops
- Keep emergency cash for coverage gaps during breakdowns
- Document everything including dispatcher promises about covered amounts
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.