Well hey there, fellow Texans. Planning to load up the family car, crank up the playlist, and roll out for Memorial Day weekend? Whether you’re hitting 75 North, weaving through the Hill Country, or chasing sunsets out toward Palo Duro Canyon—before you go anywhere, let’s talk about something that isn’t nearly as exciting as barbecue and gas station snacks: your auto insurance.
But here’s the kicker. If something goes wrong out on those wide Texas highways—like a blown tire, a deer in the road, or an overheating engine—you’ll wish you had double-checked your coverage. So let’s walk through the essential checklist every Frisco and North Texas driver needs before hitting the road this holiday.
And yes, we’ll talk roadside assistance coverage in TX, because that’s the unsung hero of stress-free road trips.
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Why Memorial Day Weekend is Riskier Than You Think
According to the National Safety Council, Memorial Day weekend consistently ranks among the deadliest U.S. holidays for car accidents. In fact, AAA predicted nearly 39 million Americans would travel by car in 2023 alone. With that kind of congestion, your odds of a fender bender or roadside emergency skyrocket.
And it’s not just about other drivers. Texas summer heat, long distances between towns, and a patchy cell signal on backroads? That’s a cocktail for car trouble. So whether you’re headed to Lake Texoma, Galveston, or just down to Waco, you need a coverage plan that works just as hard as you do.
Checklist: What to Review Before You Leave Frisco
Here’s what we tell every client at The Agent’s Office® before they pull out of the driveway:
1. Review Your Liability Limits
Ask yourself: If you hit someone, are you covered enough to protect your home, savings, or future income?
- Texas minimum liability: $30,000 per person / $60,000 per accident for bodily injury, $25,000 for property damage.
- Reality check: That won’t cover much if you’re responsible for a 3-car pileup on I-35.
Pro Tip: We usually recommend 100/300/100 minimums to our clients with newer vehicles or any significant assets.
2. Double-Check Roadside Assistance Coverage in TX
Not all roadside help is created equal.
Here’s what to look for:
- Towing range: Is it just 10 miles or up to 100?
- Lockout coverage: Does it include key fob replacements (which can cost $200+)?
- Battery jump or tire change: Is it included?
Some carriers offer trip interruption coverage that reimburses hotel and food costs if you break down far from home. That’s gold if you’re traveling with kids.
Note: Coverage varies by carrier and package. At The Agent’s Office®, we can run your policy through over 50 top-rated A+ carriers in Texas to find one that has your back wherever the road takes you.
3. Collision and Comprehensive: Are You Exposed?
Heading out of town without comprehensive coverage? That’s a gamble.
- Comprehensive handles non-collision damage: hail, fire, theft, animals.
- Collision covers your car if you hit another car or object.
Texas hailstorms are notorious this time of year. Not having comp? That’s a costly oversight.
4. Rental Reimbursement: Hidden MVP
If your car is in the shop after an accident, do you have a rental covered?
- Some carriers offer $30-$50/day reimbursement.
- Watch out for caps (e.g., 30 days or $900 max).
Don’t assume this is built in—many drivers skip it to save a few bucks and regret it later.
5. Uninsured and Underinsured Motorist Protection
Texas ranks in the top 20 states for uninsured drivers, according to the Insurance Research Council.
So if someone hits you and they don’t have coverage? This protects you.
We always recommend stacking this protection at levels equal to your liability limits.
What Does Roadside Assistance Coverage in TX Really Cover?
Good question. Here’s a quick breakdown of what a solid roadside assistance plan should include in Texas:
- Towing (ranges from 10 to 100+ miles)
- Jump-starts for dead batteries
- Flat tire change
- Fuel delivery (some also cover cost of gas)
- Lockout services
- Winching (if you’re stuck in mud or off-road)
Some even offer:
- Trip interruption benefits
- Concierge services
- Digital tracking apps
Reminder: Not all roadside plans are standalone. Some come bundled with your carrier’s auto policy, some are offered via credit card perks (like AMEX), and others require you to call a third-party provider. Know which kind you have before you need it.
Texas Summer Driving: Unique Risks You Need to Know
Here in North Texas, we deal with more than just traffic.
- Flash floods in low-lying areas
- Tire blowouts from extreme heat
- Wild animals (armadillos, deer, hogs)
- Hailstorms with ice baseballs from the sky
Traveling during late May puts you squarely in storm season, so it’s wise to confirm:
- You have comprehensive coverage.
- Your policy includes hail protection.
- You know your deductible if you need to file.
What If You’re Renting a Car for the Trip?
We get this question all the time: “Do I need insurance from the rental company?”
If you have:
- Full coverage (liability + comp + collision)
- Rental reimbursement
…then you’re probably covered. But here’s the fine print:
- Some policies don’t cover loss of use fees from rental companies.
- Your credit card might offer secondary insurance, but often only if you decline the rental company’s offer.
Bottom Line: Ask us to check your policy before you book. That’s what we’re here for.
Cost Breakdown: Is Roadside Assistance Worth It?
In most Texas policies, roadside coverage adds $10-$30 per year.
Let’s do some math:
- Average tow in Texas: $95 to $300+ depending on distance
- Locksmith: $100+
- Battery jump: $50+
So, yes. It’s worth every penny. Especially if you’re 60 miles outside of Amarillo with no service and a toddler screaming in the back seat.
The Agent’s Office®: Real Coverage, Real Texans
Here at The Agent’s Office®, we take this seriously. We live where you live. We drive the same roads, face the same storms, and know exactly how the market works in Frisco, Denton, Plano, McKinney, and beyond.
We’re not just quoting policies—we’re tailoring strategies for:
- Summer vacationers
- Families headed to the lake
- Contractors hauling gear
- College kids driving home
With access to over 50 A+ rated carriers, we don’t shove one-size-fits-all plans down your throat. We match you with what actually works for you.
Q&A: What Else Should I Know About Roadside Coverage?
Q: Is roadside assistance mandatory in Texas?
A: No. It’s optional, but strongly recommended—especially for long-distance travelers.
Q: Can I use roadside coverage multiple times a year?
A: Depends on the carrier. Some allow 3-5 incidents annually, others charge after the first use.
Q: What if I break down outside of Texas?
A: Most nationwide carriers honor roadside coverage in all 50 states. Double check before you go.
Q: Does my teenage driver have roadside access?
A: Only if they’re listed on your policy and the vehicle they’re driving is covered. Confirm with your agent.
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Final Thoughts: Be Smart. Be Safe. Be Covered.
Look, road trips should be full of adventure, not anxiety. Memorial Day is a time to recharge, remember, and reconnect. But those plans can fall apart fast without the right insurance safety net.
Don’t leave Frisco until you’ve talked to a local expert. Because the best road trips start with a solid plan.
Call or text The Agent’s Office® today. We’ll walk you through your coverage, double-check your policy, and help you hit the road with confidence.
Because around here? We don’t just insure cars. We protect your peace of mind.
