These plans are in addition to your auto insurance plan. They are a great resource to purchase. I plan on upgrading my current Allstate Motor Club plan when it renews in May.
I learned that since I drive a 4 wheel drive minivan it cost $100 to tow it since it needs to be on a lift and the tow truck driver told me it would cost me that much since my plan did not cover that cost.
Well that was when I had to get my brakes fixed and I just drove the car to the gas station to get them done.
But two weeks ago my minivan over heated and it is an hour plus drive home in the dark with two kids, so we left the minivan there and another parent drove us home via freeway that only takes 20 minutes, but I don't drive freeways.
Anyway I called the Motorclub to ask about towing and how to upgrade my membership and was told that I would only have to pay the difference of the tow, which would be $50.
Turns out my minivan made it home in one piece and next stop will be Jiffy Lube.
Here are the Roadside Assistance Plans I wrote about:http://www.bellaonline.com/articles/art30508.asp
Feel free to post here the plan you are a member of and what your experiences have been like and the coverage options.