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Kwik vs your insurance roadside coverage
In short: Many auto policies sell roadside coverage as an add-on, and your insurer sends a contracted provider. Kwik is a direct, pay-per-call service at $75 or $95. If you have coverage and don't mind the insurer's process, use it; if you have no coverage, want a firm price upfront, or prefer to keep the call off your policy, call Kwik.
Side by side
| Kwik | Insurance roadside add-on | |
|---|---|---|
| How you pay | Per call: $75 or $95 | Monthly premium on your policy |
| Who you call | Kwik directly | Your insurer's roadside line or app |
| Who shows up | Kwik's own Austin crew | A provider the insurer contracts |
| On your policy record | No | Check your policy |
| Towing | No | Often included, with limits |
What to check in your policy
- Whether roadside coverage is on your policy at all.
- How many calls a year it covers and any per-call limits.
- Whether using it is recorded on your policy.
- Whether you must use the insurer's provider for the cost to be covered.
When Kwik makes more sense
- You don't have roadside coverage.
- You want to hear the exact price before someone drives out.
- You'd rather not open a request through your insurer.
Common questions
Can my insurance pay Kwik back?
Some policies reimburse roadside costs you pay yourself, and some don't. Keep the emailed receipt and ask your insurer.
Related pages: Pricing · Kwik vs AAA · Jump start or tow truck?
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