Major Auto Club Membership

Most premium-tier auto club memberships include three to four tows per membership year, while entry-level plans typically limit coverage to one or two service calls. Enthusiast-oriented clubs often bundle the towing allowance with track-day perks and parts discounts that justify the higher annual fee. Exact limits vary by club and region, so review the membership agreement for specifics.

Standard roadside policies at most auto clubs explicitly exclude coverage during timed, competitive, or track-day driving events. Some enthusiast clubs offer special event coverage or track-day insurance as a separate add-on purchase. Always check the motorsport exclusion clause in your membership terms before relying on coverage at a circuit.

Most auto club memberships cover the member rather than a specific vehicle, meaning you can request service for any car you are driving or riding in. This includes rental cars, borrowed vehicles, and passenger situations. However, parts discounts and vehicle-specific perks may be limited to registered vehicles on your account.

Towing distance limits vary by tier, with basic memberships often capping at 3 to 5 miles and premium tiers extending to 100 miles or more per tow. Beyond the included distance, members pay a per-mile surcharge that can add up quickly on a long-distance tow. Upgrading tiers before a road trip is usually more cost-effective than paying overage fees.