How To Protect Your Tires
rotating tires regularly for even wear on the treads, keeping tires inflated to manufacturer-specified PSI, and sealing tires with a protectant
- Avoid driving near construction sites
- Avoid the shoulder on highways, where debris frequently winds up
- Donât park too close to curbs â the slant built into the roads for drainage is a prime location for nails and other debris to collect
Can You Drive On A Flat Tire
That depends on your car. These days, many luxury and performance vehicles from automakers such as BMW, Mercedes-Benz and Cadillac come equipped with run-flat tires. As the name suggests, these types of tires are designed to allow you to drive for about 100 miles with no air pressure, so you can safely drive to get your flat repaired.
However, if your car has conventional tires, driving any distance on a flat is always a bad idea. If you dont pull over immediately, you can do irreparable damage to the tire and may even destroy your wheel.
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Why Is Tire Maintenance Important
Proper tire maintenance reduces your chance of a flat tire or blowout, which reduces the cost to you. But more importantly, it helps keep you and other drivers safe on the road. The NHTSA reports that an average of 78,000 accidents per year are the result of unsafe tires. You can reduce the chances of this happening to you with regular tire maintenance.
Additionally, proper tire maintenance can actually help keep your insurance costs lower. How? According to Nolo, if your vehicle causes property damage as the result of a tire blowout, it may be considered an at-fault accident. Having an at-fault accident on your record can result in an increase in your insurance rates.
We partnered with Quadrant to obtain average insurance rates for both a clean driving record and one with a single accident to see just how much an accident can affect your rates. Take a look at this table to see what we found.
As you can see, even one at-fault accident can mean an increase in your insurance rates of between 20 and 50 percent, on average.
Does Auto Insurance Cover Flat Tires
It depends on your situation.
If your tire was punctured because something fell off another vehicle, your comprehensive coverage pays for the damage.
Your car insurance policy also covers slashed tires under comprehensive insurance.
Do insurance companies cover flat tires when a nail caused the damage? The answer is no.
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What If My Car Doesnt Have A Spare Tire
In response to increasing fuel economy standards, many auto manufacturers are ditching the spare tire to save weight. In fact, according to Consumer Reports, about one-third of new cars on the road today forego the spare. Instead, theyll include a can of tire sealant and an air pump.
If you get a flat and your car doesnt have a spare tire, try using the provided sealant and reinflate your tire with the compressor. In the event of a small puncture or slow air leak, you may be able to get back on the road. But if the damage is more significant, youll likely need to call for help.
Our Recommendations For Car Insurance
Does insurance cover slashed tires? Not all providers offer the same types of coverage. So, its important to shop around for car insurance quotes to compare the value each company offers. We took a look at some of the top providers around the nation to see which companies came out on top in customer service, coverage, cost, and more.
Here are two of our top picks. Compare quotes between these providers, and enter your zip code to find other providers in your area.
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Does Car Insurance Cover Tire Wear And Tear
Car insurance policies typically do not cover costs for wear and tear. In some states you may be able to file a claim for tire damage due to potholes and rough road conditions on government-maintained streets. The requirements for filing a claim differ from state to state. Check your local laws to see how you could be protected.
Why You Can Trust Bankrate
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Weve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust.
Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most price, customer service, policy features and savings opportunities so you can feel confident about which provider is right for you.
- We guide you throughout your search and help you understand your coverage options.
- We provide up-to-date, reliable market information to help you make confident decisions.
- We reduce industry jargon so you get the clearest form of information possible.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure were putting accuracy first.
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Collision Covers Potholes Or Road Spikes
Collision coverage can protect you and your vehicle when you get into a collision with another vehicle or an object. So, this type of coverage could also cover tire damage from running over a pothole or road spikes.
Again, its smart to check with your car insurance company to learn the specifics of your collision coverage to make sure it covers damaged tires. To find out more about coverage available in the car insurance industry, we recommend comparing multiple car insurance quotes. Enter your zip code below to get started.
How Can You Protect Your Tires
To protect your vehicle and its tires, you can practice several important habits:
Be a cautious driver. Constantly slamming on the brakes or speeding increases the risk of overheating your tires. If your tires already have cracks, you could also make your tires worse by continually driving this way.
Drive your vehicle regularly. If your vehicle sits for a while, the tires start to rot. Driving the vehicle regularly lowers the chance of this happening by keeping the tires warm.
Use a protectant. A water-based chemical that provides UV protection to rubber, vinyl, and plastic, a protectant can keep your tire from cracking and developing dry rot.
Rotate your tires. It’s best to do this every six months or 7500 miles.
Examine the wheel alignment. When your wheels aren’t aligned, your vehicle can pull to one side and might experience tire failure.
Check for tire wear. Tread wears down and can lead to less traction.
If you’re concerned that your vehicle has loose tires or ones that are losing their tread, it’s important to get them checked. Doing so can help prevent your tires from becoming flat or experiencing a blowout. Most insurance companies won’t pay for damage done due to a damaged tire, but if you have collision coverage, you might qualify for coverage.
Check this out if you need additional information, resources, or guidance on car insurance.
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What Does Tire Insurance Cover
Tire insurance covers any damage caused to your tires due to an accident or other covered event. Some policies will also cover damage caused by potholes or vandalism.
You should have insurance just to be prepared for any eventualities. This way, youll not overpay for tire repair or replacement. Remember that some policies will only cover new tires. Others will cover used tires if they cant be repaired at a reasonable cost and time frame.
How Do I Tell If I Have A Flat Tire
If your tire goes flat while your vehicle is parked, its easy to spot. But recognizing a flat while driving can be more difficult. Here are some warning signs:
- Warning light: In the United States, all vehicles manufactured since 2008 have been required to come equipped with a tire pressure monitoring system . If you get a flat tire, a warning light will illuminate on your dash. This light typically looks like the cross section of a tire with an exclamation point in the center.
- Noise: A flat tire will make a lot of noise, typically in the form of a loud thumping or flapping sound.
- Vibration: Along with the noise, youll feel a shaking or vibration from within the vehicle.
- Steering: When your tire is flat, your vehicle will drift or pull toward the side with the bad tire. The change in steering will feel more pronounced if a front tire has deflated.
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Does Car Insurance Cover Tire Rotation
No, car insurance typically wont cover tire rotation because its considered routine maintenance. While the necessity of rotating tires can be a hot topic, some experts say your tires should be rotated every $5,000 to $8,000 miles, and that without it, your tires may not wear evenly . The good news is that a tire rotation typically costs less than $60.
Auto Insurance Doesnt Cover Tire Wear And Tear
Flat tires are a part of car ownership. Sometimes, a flat tire is caused by wear and tear. In other cases, the driver is responsible for the flat tire. The driver over-inflated or under-inflated the tire, for example, or drove on the tire long after the tread had worn down.
If you dont inflate your tires adequately, for example, then it causes increased road friction on your tires, increasing the chances of a blowout. Similarly, an over-inflated tire could get a blowout from a pothole or speed bump.
Some drivers fail to check the tread of their tires until its too late.
Tires are only supposed to be used up to a certain tread depth. Check your tires to see if you can spot warning lines also called wear bars indicating the tread is too low and your tires need to be replaced.
In all of these situations, auto insurance will not cover a flat tire.
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Progressive: Best For High
Progressive has a reputation for saving people money with its Name Your Price® tool and many discounts. Drivers can save for bundling multiple policies, going paperless, and paying their premium in full. These money-saving opportunities and average customer service helped Progressive earn a 4.5 rating from our research.
From Progressive, you can purchase full coverage insurance, including comprehensive coverage, uninsured motorist coverage, medical payments, and roadside assistance.
For more, read our Progressive insurance review.
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Aaa Roadside Assistance Vs The Competition
AAA’s roadside coverage varies from club to club, so prospective members should check out the offerings of the AAA club in their area. The majority of roadside assistance programs offer fuel delivery, battery jump-start, flat-tire change, lockout service and ditch extraction. Let’s compare AAA’s plans with some others:
*Based on requests from California customers
Can Aaa Fix A Flat Tire
The American automobile association or the AAA is a membership service. It is made to provide help. This private organization starts by supplying roadside assistance to the members, and they have become the leading name for the insurance space.
Today, the AAA gives services to roadside assistance, travel perks, and discounts to over sixty-one million members. This is twice the population of Texas. So depending on the damage to your tire, the AAA roadside assistance can either install your spare tire, inflate your tire, or they can tow your vehicle.
If you get a flat, a certified AAA technician will come to you and install the spare tire of your vehicle. If your spare tire is not inflated, then it is not available.
If the technician sees that the spare tire is not safe, your vehicle might have to be towed to an approved facility to have your tire replaced or repaired. The covered towing distance will depend on what is inside your AAA membership plan.
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Cheap Nevada Car Insurance
1. Cheap Nevada Car Insurance What Are the Mandatory Car Insurance Requirements in Nevada? · Bodily Injury Liability: $25,000 per person, $50,000 per accident · Property Damage Liability: The cheapest car insurance in Nevada Progressive, $502, $1,447 State Farm, $592, $1,668 USAA, $612, $1,549 AAA, $958,
What Roadside Assistance Service Includes
When you’re stranded on the side of the road, a roadside assistance program will connect you with the right professional whether you need minor repairs, gasoline or something else.
Towing service providers will take your car to the nearest mechanic up to a specified distance. If you need your car towed past that limit, the provider will charge you for the overage.
Battery jump-start service providers will restart your battery if it’s dead.
Flat-tire service professionals will replace your flat tire with your spare. But roadside assistance might not cover a flat tire for a motorcycle or similar vehicle.
Lockout service and locksmith service helps you get into your car if you’re locked out, but there’s a difference between the two. Lockout service providers typically try to unlock the car door using a pump wedge or a long-reach tool. If those methods don’t work, the provider will call a locksmith.
Fuel-delivery service providers will deliver enough fuel to get you to the nearest gas station. If the service provider charges for this separately, they’ll use the local pump price.
Extrication or winching service is the process of moving a vehicle when it’s stuck. You may need to pay extra if it takes more than one service professional and truck to dislodge the car.
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The Impact Of Different Types Of Tires On Your Auto Insurance
The type of tires on your vehicle can impact the insurance cost differently. One is the cost of replacement, which has been going up. Its because the tires are durable. That means they last longer and have less tread. It makes them harder to replace when they get damaged.
Some tires are also more likely to end up on vehicles with higher replacement costs. Depending on the type of tire you drive, your car insurance company may charge you less. Thats because certain tires are safer and can save the insurance company money in case of an accident.
Also, the tire size matters. The smaller the tire, the less dangerous itll be in case of an accident. Larger tires protrude more from the vehicle, making them more likely to get hit in an accident. They also reduce maneuverability and braking distance, increasing your risk for accidents.
All tires come with a speed rating. The speed rating refers to the maximum speed the tire can safely travel when inflated well and mounted on its recommended rim. If you go above that rating on the highway, your insurance company may charge you more for coverage.
Tires with higher speed ratings are more expensive and carry higher insurance premiums than those with lower ratings. Check your vehicle owners manual or contact your auto dealer. This way, youll learn what your vehicles recommended tire pressure is.
What Is Not Included In Aaa Roadside Assistance
Most auto insurance carriers offer 24/7 roadside assistance coverage, but every program has its own services and restrictions. All roadside coverage is “add on” coverage, which means state law does not require it. The AAA program offers a lot, but it doesn’t cover everything:
AAA’s roadside assistance is not car insurance. It is an insurance product that you purchase separately from your auto insurance.
AAA’s roadside assistance does not extend to a disabled vehicle whose driver is intoxicated due to alcohol or drugs.
While AAA services the U.S. and Canada, it does not offer roadside assistance in Mexico.
AAA will not recompense you for repair work done by your favorite mechanic if that mechanic’s repair shop is not in AAA’s network.
Car Insurance with Roadside Assistance Plan
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How Do I Change A Flat Tire
If you suspect you may have a flat tire, follow these steps:
- Pull over. Turn on your hazard lights and pull off the roadway in a safe location. If youre on the highway, get as far onto the shoulder as possible. Once youre safely out of traffic, turn off the engine, put the car in park and apply the parking brake.
- Locate your spare tire and jack. Your spare tire may be stowed in the trunk or suspended below your vehicle. Check your owners manual for the exact location and instructions for removing the spare.
- Loosen the lug nuts. Using the provided tire iron, loosen the wheels lug nuts by turning them counterclockwise. If you cant loosen them by hand, try stepping on the lever. Keep in mind that the goal for this step is to just break them free you dont need to completely remove them yet.
- Jack up your vehicle. Place the jack on solid, level ground. Following the instructions in your owners manual, jack up the car until the flat tire is completely off the ground.
- Install the spare. Finish removing the lug nuts, then replace your flat tire with the spare. Reinstall the lug nuts and lower the car to the ground. Before driving off, finish tightening the lug nuts using the tire iron and check the pressure in the spare tire. Then stow the flat tire and tools in your vehicle.
- Get to safety. Spare tires are not a long-term solution. They are designed to help get you to the nearest repair facility, so get your flat tire repaired or replaced as soon as possible.