The Allstate plan covers 10 miles towing. I could push the car that far. (Well maybe downhill) Then its $3/mile. I tour a bit and would like to have coverage of about 100 miles. With Allstate plan that would be $75 plus 90 X $3 or $345 even 50 miles would be $225
AAA may be less expensive and more thorough coverage. It also covers my bikes so that helps when I forget to refuel. Plus I have some older cars and bikes that are a bit more prone to breakdown.
Certainly depends on your situation. For you its clearly a smart move, for most people its unfortunately not. I want to start by pointing out that basic AAA is only 3 mile tows. I rarely ever leave the 20 mile radius of my house with any vehicles except my truck, and I have towing coverage through my insurance (amica) for that, plus towing coverage from Chrysler. Its all my other vehicles I just plan on using allstate as I've only had 1 breakdown, flattire, etc. in the last 15 years, and that one was taken care of by onstar... so for me, $0-$335 > $1125, but of course it depends on who you are and what your doing!
I was reading an article where the average AAA member only calls once every 3 years (or in other words, for those of you who call 4 times per year, theres 3 other people who call 0 times per year). In fact, according to one AAA region, they have 880k memberships and 515k roadside calls. thats on average, one call every 1.7 years- However as you can tell by this conversation, everyone doesnt use it equally. Some users use it multiple times per year, others don't use it for many years, So in other words, for about 1/4 of users, AAA is worth it. for 3/4 of users, its probably not.
I also know pricing differs. Here its $150 per year for AAA plus (100 miles per tow). Classic is only $90, but only includes 3 miles per call. If you need a tow, fuel up, etc. 0-10 miles once per year, Allstates cheaper. If you need 10 miles twice per year, Allstates cheaper, BUT if you tow 100 miles every year, or 50 miles 4 times per year, or anything like that, yes AAA is the way to go.
I've been considering getting Coach-net. for $129 (less than AAA Plus) it includes unlimited Road Service for all family vehicles including boat and car trailers (AAA doesnt cover trailers) and motorcycles. I know you said your AAA covers motorcycles, so it must be a location based thing because in AAA New York, they explicitly state that Motorcycles are not covered. AAA NY
. I've also considered lowering my chance of risk with something like towpal
, but I'm not quite sold on either route.
Trailers have been a different story for me...
But I guess it all depends on who you are and what you use it for. If you have a few older cars and break down multiple times per year and need to drive a real long distance, AAA makes sense. If you don't tow more than once a year and don't tow far, Allstate makes sense. If you need motorcycle, boat, or trailer coverage, something else like coachnet may make sense.
I don't want to sound like I'm just pitching Allstate, but for those of us who decided AAA was not worth it for us, I just wanted to point out that Allstate is a lot cheaper than "cash calls"! If AAA makes sense for your usage though, go for it! There is no one-size fits all.