Tuesday, 9 April 2013

Plan for the unexpected and save money

When it comes to saving money its really important to be prepared for the unexpected. That’s especially true when it comes to your car. We all have car insurance, it’s the law, but the chances of having a car accident aren’t particularly high. A recent study by car insurance.com found that an average driver is likely to have a car accident every 17.9 years. It’s the rest of the emergencies that we never seem to prepare for. Whether you locked your keys in the door or ran out of gas, an emergency involving your car can be stressful and expensive. 

The best protection from unexpected events is to get roadside assistance. A basic CAA membership costs $69 and that allows you up to 4 calls a year. On a cold and snowy night when your car battery stops working or if you need a tow to your local mechanic, you’ll be glad you have help.

But is the cost worth it? What if you don’t need roadside assistance for years?  Here’s a breakdown of some of the emergencies roadside assistance covers and how much they would cost you on an individual basis.

Getting a tow 
This is the most important reason to have roadside assistance. Its never fun to be stuck on the side of the road with a car that has stopped working. Calling a tow truck can be very expensive and a little intimidating. Flat rates for most tows start at $275 and that doesn’t include the cost per kilometre. No matter how small, Police experts say up to 85% of accidents require a tow.

Locking your keys in the car
They only thing lucky about locking your keys in the car is if your car wasn’t running, everything else can be a very painful experience. Without planning early one of your options is to call an emergency locksmith. The cost to get your car door open starts at around $110 for the first half hour.

Getting a boost
Its one of the most common problem Canadians face during the cold winter, having the car battery stop working in the extreme cold. Getting a boost to get your car going will cost you a flat rate starting at $100.

Tire needs to be changed
We all learned to change a tire in mechanics class in high school, but does anyone really remember how too? With the all the things that can go wrong during a roadside emergency this task is best left to the experts who have the equipment and expertise to make sure you’re safe. A tire change at the side of road will run you around $170.

Running on empty
Breaking down because you ran out of gas is embarrassing. Even though preventable, it can happen to any of us. Hiking your way to the nearest gas station may not be a possibility if you are on a highway or quieter road. If you call for assistance you are looking at the cost of a service call and another charge for the gas. That could run you close to $200.

Being stranded is never fun, but it can be worse if you have no idea who to call. By purchasing roadside assistance a car emergency can be less painful as you know a reputable, trustworthy expert is on the way to help you. Its saves money as you won’t have to make any rash or quick decisions that cost more than what you can afford.


CAA South Central Ontario is a not-for-profit auto club which also offers travel deals, home insurance, travel insurance and auto insurance. There are more than 1.9 million CAA members in South Central Ontario and over 5.9 million members in Canada. 


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