What free tow coverage means with Auto Owners Insurance
Auto Owners Insurance includes a complimentary towing service as part of many of its personal auto policies. The benefit typically covers a set number of miles per incident, up to a maximum dollar amount, and is intended for roadside breakdowns, accidents, or vehicle lockouts. Eligibility depends on the specific plan you purchased, so reviewing your policy declaration page is essential before you need assistance.
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Typical mileage and dollar limits
The free tow feature is not unlimited. Most policies provide either 5 miles per incident or a $100 maximum, whichever is reached first. Some higher‑tier plans raise the mileage to 10 miles or increase the cap to $200. These limits reset with each separate tow request, allowing multiple uses in a policy year as long as each claim stays within the defined thresholds.
| Plan Tier | Maximum Miles per Tow | Maximum Dollar Value |
|---|---|---|
| Basic | 5 miles | $100 |
| Standard | 7 miles | $150 |
| Premium | 10 miles | $200 |
How to request a free tow
When you need assistance, call Auto Owners' 24‑hour roadside assistance hotline. Provide your policy number, vehicle identification, and a brief description of the situation. The operator will dispatch a tow provider from the network that serves your area. Because the service is pre‑negotiated, you will not receive a separate invoice for the covered mileage; any excess distance beyond the limit will be billed to you.
Factors that affect eligibility
- Policy type: Not all personal auto policies include free tow; it is often an optional add‑on.
- Geographic restrictions: Coverage may be limited to the 48 contiguous United States.
- Vehicle condition: The vehicle must be operable enough for a tow truck to attach safely.
When you might exceed the free allowance
Longer trips to the nearest repair shop, especially in rural areas, can quickly surpass mileage caps. In such cases, the tow company will charge the extra distance at a standard rate, and you will be responsible for the balance. Knowing the nearest authorized repair facility can help you stay within the free limit.
Tips for maximizing the free tow benefit
Leverage technology to reduce surprise costs. Use navigation apps to locate the closest Auto Owners‑approved repair shop before calling for help. Keep a copy of your policy details in your phone's notes app so you can reference mileage limits instantly. If you frequently travel long distances, consider upgrading to a Premium tier that offers a higher mileage allowance.
Comparing free tow options across insurers
Auto Owners' free tow is competitive but not unique. Some insurers bundle unlimited mileage with higher deductibles, while others charge per‑use fees. When evaluating policies, weigh the tow benefit against overall premium costs, deductible amounts, and the breadth of other roadside services such as lockout assistance or fuel delivery.