Most drivers rely on comprehensive auto insurance (smart!), but you can also lower your risk of theft and avoid the hassle of filing a claim by adding a few practical anti-theft layers. From simple steering wheel locks to GPS car trackers and immobilizer devices, today’s car theft prevention devices make it harder for thieves to succeed and easier for you and law enforcement to recover a vehicle if they try. 

We’ll explain why anti-theft tools matter in 2026, how today’s technology has evolved, which anti-theft devices for cars are worth your money, and how InsureOne can help you save on insurance. 

Why Anti-Theft Devices Are More Important Than Ever 

Having your vehicle stolen is a horrible feeling. And car theft is on the rise. So, how do you protect yourself and your car or truck? One thing you can do is use an anti-theft device to deter criminals. 

A car anti-theft device is any tool or system that deters, detects, disables, or tracks vehicle theft—examples include steering wheel locks (deter), car alarms (detect), immobilizers/kill switches (disable), and GPS trackers (track). 

Rising Car Theft Statistics in the U.S. 

After four straight years of increases and more than 1 million vehicles stolen in 2023, national theft totals fell 17% in 2024, returning to pre-pandemic levels, according to the National Insurance Crime Bureau (NICB). That said, theft volumes remain high compared with historic lows, and organized groups continue to use more sophisticated methods. 

How Anti-Theft Technology Has Evolved 

Modern theft often targets vehicles with keyless “smart key” systems using “relay attacks” or signal boosting. One thief amplifies your key fob signal near your home, while an accomplice at the car relays it, tricking the vehicle into unlocking and starting. Without added protections, this can happen in under a minute. Faraday pouches, updated firmware, and physical deterrents all help reduce this risk.  

At the same time, recovery tech is better: compact GPS car trackers provide live location data and geofencing alerts; when owners promptly share tracker data with police, recovery odds improve. Some agencies even run “bait vehicle” programs using GPS to catch repeat offenders.  

Do Anti-Theft Devices Lower Your Insurance Rates? 

Often, yes! Especially for devices that prevent or meaningfully reduce loss (factory immobilizers, professionally installed alarms, some GPS systems). Discount eligibility and amounts vary by insurer and state, but carriers commonly recognize anti-theft installations. Factory-installed systems may qualify more reliably than aftermarket devices, though aftermarket solutions can still help, your agent will confirm what documentation is needed. 

Top Anti-Theft Devices for 2026 

Check eight trusted options for vehicle theft prevention: from low-tech deterrents to connected tech. For the strongest protection, combine at least one visible deterrent with an engine-disable solution and a tracker. 

#1 Steering Wheel Locks – Simple and Affordable Protection 

The old-school bar across the wheel is still a thief’s buzzkill. It’s visible, quick to deploy, and forces criminals to waste precious time. As a budget-friendly deterrent, a wheel lock pairs well with alarms or immobilizers. 

Best for: Street parking, apartments, or any high-theft ZIP code. 
Pros: Cheap, visual, DIY. 
Consider: Determined thieves might still target vehicles without multiple layers. 

#2 Car Alarms – A Classic That Still Works 

Audible alarms remain effective because noise draws attention. Today’s systems add smartphone alerts, tilt/motion sensors, and shock sensitivity tuning. 

Best for: Drivers who want instant alerts and visible deterrence. 
Pros: Attention-grabbing, may qualify for discounts. 
Consider: Professional install recommended for reliability (and potential discount eligibility) 

#3 Immobilizers – Stop Thieves Before They Start the Car 

An immobilizer device for car uses a coded key/fob or transponder check; without the right signal, the engine won’t start. Many modern vehicles include immobilizers at the factory. 

Best for: Most daily drivers. 
Pros: Very high effectiveness, widely recognized by insurers. 
Consider: Aftermarket installs should be done by pros for safety and discount documentation. 

#4 GPS Trackers – Find Your Vehicle Fast 

A GPS car tracker can ping location, set geofences, and send movement alerts to your phone. If a theft occurs, fast reporting and sharing tracker data with law enforcement can speed recovery. Some trackers require a monthly subscription. 

Best for: Urban drivers, fleet owners, high-value vehicles. 
Pros: Strong recovery tool, helpful for police. 
Consider: Doesn’t prevent theft by itself; combine with a deterrent/immobilizer.  

#5 Tire Locks – Physical Deterrents That Work 

A tire “boot” prevents the wheel from rolling—simple, unmistakable, and time-consuming for thieves to defeat. Great if a vehicle will sit for extended periods. 

Best for: Long-term parking, second vehicles, RVs/trailers. 
Pros: Visible, DIY. 
Consider: Less practical for daily on/off use. 

#6 Kill Switches – Hidden Control Over Your Vehicle 

A kill switch interrupts power or fuel so the engine won’t start until you flip a hidden switch (sometimes more than one). It’s discreet and effective when combined with other layers. 

Best for: Drivers who want control without subscriptions. 
Pros: Inexpensive, customizable. 
Consider: Professional, hidden installation is best; thieves could still tow. 

#7 Window Etching – A Visible Warning for Criminals 

Etching the VIN onto glass makes quick resale harder and signals that the car is traceable. It’s not a primary defense but adds friction for thieves and complements other tools. 

Best for: Used in combination with alarms/immobilizers. 
Pros: Low cost, permanent ID. 
Consider: Deterrence and recovery aid rather than prevention. 

#8 Smart Keys – Modern Security for Modern Drivers 

Smart keys and encrypted keyless entry add convenience and security, but relay attacks exploit the signal. Use a Faraday pouch at home, disable passive entry in settings when possible, and keep your key fob firmware up to date. Combine with a visible deterrent and a tracker for peace of mind. 

And if you like to ride on two wheels, don’t miss our 6 motorcycle anti theft tips!  

Comparing Anti-Theft Options 

Use this quick reference to match devices to your needs and budget. 

Discount recognition varies by insurer and state; factory systems are often the most predictable for savings. Ask your InsureOne agent for eligibility and documentation requirements.  

Best Devices for Urban Drivers 

• Visible deterrent: Steering wheel lock 
• Disable: Immobilizer or kill switch 
• Recovery: GPS tracker with movement alerts 
• Tip: Store smart keys in Faraday pouches overnight to blunt relay attacks. 

Top Choices for Family Vehicles and SUVs 

• Factory alarm + immobilizer as a baseline 
• OBD-port lock or professionally installed kill switch for extra protection 
• Wheel or tire lock if the vehicle sits outside for long periods 

Budget-Friendly Versus High-Tech Solutions 

• Budget combo: Steering wheel lock + window etching 
• Balanced combo: Alarm (with phone alerts) + kill switch 
• High-tech combo: Factory immobilizer + GPS tracker + Faraday storage for smart keys 

Need help balancing protection and budget? Start with our right amount of coverage explainer to align physical security with your policy limits. 

How Anti-Theft Devices Can Lower Your Car Insurance Premiums 

Protecting your vehicle is not just about stopping a thief from driving away with it. It is also about protecting your finances and avoiding the stress of filing a claim. Insurance companies think the same way. When your car is harder to steal, you become a lower risk customer. Lower risk can translate into lower premiums. 

Anti-theft devices directly reduce the chance that the insurer will ever need to write that check. That is why many carriers offer policy savings to drivers who invest in security tools for their vehicles. 

Discounts for Anti-Theft Installations 

Insurers commonly offer premium reductions for certain types of devices that genuinely lower the chance of theft or improve the odds of recovery. Some of the most recognized devices for insurance discounts include factory-installed alarms, factory immobilizers, and professionally installed tracking systems. 

Immobilizers are especially valuable to insurers because they keep a thief from starting the vehicle at all. Alarm systems alert owners and bystanders the moment someone tampers with the vehicle. GPS systems help law enforcement track movement and potentially recover the car more quickly, which reduces the extent of the loss. 

Not every device guarantees a discount, and amounts vary by state and carrier, but it is always worth asking your InsureOne agent. Documentation matters. Keep receipts, installation certificates, or dealership confirmations. These records help your agent apply the correct savings to your policy. 

What to Ask Your InsureOne Agent 

Here are useful questions that help you understand exactly how your security upgrades affect your insurance: 

The more you understand your options, the easier it becomes to protect both your vehicle and your budget. Guide yourself with these questions to break the ice. Our agents will be happy to help you!  

• Which anti-theft device discounts does my current policy qualify for?  
• Does my vehicle already have a factory immobilizer, and does the insurer recognize it as eligible for a discount? 
• Will a new alarm or GPS system qualify for savings, and what proof is required? 
• Can I combine anti-theft discounts with other savings such as telematics programs or safe driving apps?  
• If my vehicle is financed, should I add gap insurance to protect myself in the event of a total theft?  
   

Insurance Protection That Goes Beyond Devices 

Theft risk won’t disappear, but the right combination of tools and coverage keeps you rolling. Comprehensive auto insurance helps pay the actual cash value if your car is stolen or damaged by theft-related perils. Pair your policy with practical anti-theft layers, and you’ll reduce your chances of loss and may pay less for protection over time. 

When you’re ready to lock in savings and get tailored advice, InsureOne makes it easy! Get a fast quote online, call 800-836-2240, or visit a nearby InsureOne location for personalized help. 

FAQs 

Can Smart Keys Be Hacked by Car Thieves? 

 Keyless systems can be targeted by relay attacks that amplify your fob’s signal so the car thinks the key is nearby. Reduce risk by storing keys in Faraday pouches, updating vehicle firmware, disabling passive entry where possible, and adding visible and disable-type layers like steering wheel locks and immobilizers.  

Do Electric Vehicles Need Anti-Theft Devices? 

 Yes. EVs can be targeted for parts, wheels/tires, and, in some cases, by key-relay methods like ICE vehicles. Use the same layered approach: deterrent, disable, and tracking. Also secure home chargers and cables. 

How Can I Tell If My Car Already Has a Built-in Security System? 

 Check your owner’s manual for factory immobilizer and alarm info, look for a cluster icon when arming the system, or ask your dealership by VIN. Many late-model cars include an immobilizer by default. 

Can Installing Multiple Anti-Theft Devices Stack Insurance Discounts? 

 Sometimes. Stacking isn’t guaranteed, and carriers often cap the total discount. But combining a recognized immobilizer with a professionally installed alarm may qualify. Your InsureOne agent can confirm what your policy supports. 

How Does Law Enforcement Utilize GPS Trackers During Investigations? 

 When owners share tracker data promptly, police can move quickly. Some agencies also run bait-vehicle programs using covert 4G LTE GPS trackers to increase recovery and arrest rates in hotspots.  

All drivers should protect themselves with good car insurance, but there are many different kinds of policies from which to choose. For example, deciding between full coverage vs. liability policies can be tough, and your decision could have a major impact on your future finances. 

For example, if you buy more insurance than you actually need, you will be paying extra every month for no reason. If you do not have enough, though, causing a single accident could lead you to pay hundreds or even thousands of dollars in out-of-pocket expenses. 

How, then, do you decide between these two types of auto insurance? Keep reading to learn which type of policy is best for you and your ride. 

Understanding the Basics: Liability-Only vs. Full Coverage 

Before you can decide between full coverage vs. liability-only, you need to know more about how each of these types of auto insurance works. There is no one-size-fits-all kind of policy for every driver on the road, so it is up to everyone to decide what works best for their specific needs. 

What are the basics of these policies, and what is the primary difference between full coverage and liability insurance? Below, you will find everything you need to know. 

What Does Liability-Only Cover? 

Liability-only car insurance is the minimum required by most states. This policy is designed to pay for damage to people and property you may cause while driving. If your damage exceeds your policy limit, you will have to pay the rest out of pocket. And this policy does not pay to repair your own vehicle, so if you are at fault and only have this type of policy, you will be responsible for all your own repair costs and injuries. 

What Does Full Coverage Include? 

A full policy includes three different types of protection: liability, collision, and comprehensive. The first protects against damage you cause, while collision pays for damage to your vehicle regardless of who is at fault. Finally, a comprehensive policy pays for much of the damage that occurs when you are not behind the wheel, such as what might happen during a storm. 

Common Misconceptions About “Full” Coverage 

The biggest auto insurance myth about full coverage is that it is a policy unto itself. In reality, this term is a combination of comprehensive, collision, and liability-only car insurance. The other misconception is that “full” coverage protects against every possible situation. In reality, every policy has limits and exclusions, and it is important to understand them all before you get into any accidents. 

When Liability-Only Might Be the Right Choice 

Generally speaking, the only time that you should choose liability as your only car insurance option is when you are driving an older vehicle. If it is old enough, then a full policy might be overly expensive compared to the value of the vehicle. 

In short, those who can easily afford the repair costs or even the outright replacement cost of an older vehicle should stick with just liability. Everyone else should have full coverage or at least get more than the auto insurance state minimum for their area. 

When Full Coverage Is a Smart Investment 

Full coverage is the absolute best protection you can get for your car. However, it is also the most expensive, which is why it is so difficult for many drivers to choose between full coverage vs liability-only. How, then, can you decide for yourself? 

It all comes down to how comfortable you are with paying an unexpected repair bill. If you are not too worried about possible accidents, you may be able to get just liability. Otherwise, you should strongly consider full coverage as a way to best protect your automobile. 

Cost Differences and What Affects Your Rate 

The exact cost of full coverage vs liability depends on the state where you live. However, a rule of thumb is that a full policy is often the pricier option, often costing between three to five times as much as liability-only. 

Your own premium will be influenced by a number of different factors, including your driving history, type of car, where you live, and so on. Be sure to ask your carrier about the factors affecting your own premium as well as what discounts may be available. That way, you can explore the car insurance coverage options best suited for your vehicle and lifestyle. 

How to Choose the Right Coverage for You 

How, then, can you make the choice between full coverage vs. liability? As noted before, it mostly comes down to what kind of car you drive and how much spare cash you have. Someone with an old car and decent savings may be better off with only liability, but someone with a newer car, an emptier bank account, or both may be better off getting a more robust policy. 

Remember, you can change your carrier at any time. Therefore, switching to a carrier such as InsureOne today can connect you to the best experts who can elaborate on the difference between full coverage and liability insurance. They can also offer the kinds of low prices and awesome customer service you deserve for being such a great driver. 

Get the Right Protection at the Right Price 

Now you know all about full coverage vs liability, including what these policies protect and how to decide which one is right for you. However, do you know who combines the best protection and the best rates for drivers just like you? 

At InsureOne, we know how dangerous the road can be. That is why we are here to protect drivers with the perfect amount of protection. Ready to get what you need and never pay too much again? If so, come get a quote online. Alternatively, you can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to find an InsureOne office near you. 

The Importance of Winterizing Your Vehicle 

Winter car care is all about making sure your vehicle is prepared to face the harsh elements of the cold months. From making sure your engine is running smoothly to preparing your tires for slippery roads, each step helps you stay safe and avoid costly repairs. This is why learning how to winterize a car is so important—it’s the difference between being stuck on the side of the road in a snowstorm or cruising through the winter months with ease.  

1. Switching to Winter Tires: The When and Why 

When learning winter car maintenance, one of the first things to consider is winter tires. Unlike all-season tires, they have a special tread design for better grip on snow and ice, and a softer rubber compound that stays flexible in freezing temperatures. In many cold weather states, winter tires are mandatory for safety on slippery roads. 

When the thermometer dips below 45°F (7°C), it’s time to swap out your regular tires for winter ones. Winter tires aren’t just for heavy snow—they’re essential for all types of cold weather driving. And don’t forget to check tire pressure regularly, since it can drop in the cold, affecting tire performance. 

2. Keeping Your Engine Healthy with Seasonal Oil Changes 

Cold weather can make your engine work harder to start, especially if the oil is too thick. Thick oil can struggle to flow through the engine in freezing temperatures, making it harder for your engine to fire up. To avoid this, make sure to switch to a winter-grade oil with a lower viscosity, which is better suited for chilly conditions. 

Be sure to change your oil before the first frost. This ensures that your engine runs smoothly when the temperature drops and keeps everything lubricated as it should be. 

3. Antifreeze Levels and Concentration Checks 

Your engine needs to stay warm in the winter—yes, even when it’s freezing outside! Antifreeze plays a crucial role in regulating the temperature of your engine, preventing it from freezing and causing damage. Before the cold snap hits, check your antifreeze levels and make sure the mix is at the right concentration—usually a 50/50 ratio of antifreeze to water. This ensures that your car will be prepared for everything from early-morning frosts to full-on snowstorms. 

4. The Role of Windshield Wiper Fluid and Blades in Winter 

Visibility is key when driving through snowy or icy conditions, and you’ll rely on your windshield wipers more than ever during the winter months. Make sure your wiper fluid reservoir is full and contains a winter-grade fluid that won’t freeze in low temperatures. If your wipers are streaking, skipping, or making noise, it’s time to replace them. 

Winter-specific wiper blades are also a great investment. They’re designed to handle the harsh elements and prevent snow and ice buildup. Don’t forget other safety equipment for visibility, such as ensuring your headlights and brake lights are clear and functioning, to improve your visibility in stormy, low-light conditions. 

5. Defogging Systems: Ensuring a Clear View 

Winter can leave your windows fogged up in an instant, reducing visibility and making driving unsafe. That’s where your defogging and defrosting systems come in. Before you head out, ensure that these systems are working properly, especially the air conditioning and heater. These will help clear fog from your windshield quickly, so you can keep your eyes on the road. 

A simple tip? Clean your windows inside and out to prevent dirt and oil buildup, which can make fogging even worse. 

6. Testing Your Battery Before the Cold Sets In 

Cold temperatures can take a toll on your car battery, especially if it’s already showing signs of wear. A weak battery can leave you stranded when you need it the most. Before the temperatures drop, test your battery to check its charge, and look for any corrosion around the terminals. If your battery is a few years old or not performing well, now’s the time to replace it. 

To be extra prepared, grab a portable jump starter so you’re never caught off guard if your battery dies during a cold snap. 

7. Headlights and Brake Lights: Brightness Matters in the Dark Months 

With fewer daylight hours and more inclement weather, keeping your headlights and brake lights in top shape is essential. The dim, gloomy days of winter mean your lights are more important than ever for visibility. Check your headlights for any cloudiness or dirt buildup and make sure they’re properly aligned. If any bulbs are out, replace them ASAP. 

Don’t forget to check your brake lights too, keeping your car visible to other drivers in snowy conditions is a key part of staying safe on the road. 

8. Regular Washing to Combat Salt and Grime Build-Up 

Salt is great for melting ice, but not so great for your car’s finish. The salt and grime that accumulates on your vehicle’s exterior can cause rust and corrosion over time. To avoid this, wash your car regularly throughout the winter to remove the buildup. Pay extra attention to the undercarriage, wheel wells, and other spots where salt tends to accumulate. 

A pre-winter wax can help protect your car’s paint and make it easier to wash off the road salt and grime as the winter goes on. 

9. Get A Free Quote from InsureOne and Save on Car Insurance 

While winterizing your car will help keep it in great shape through the cold season, it’s just as important to have the right insurance coverage to protect yourself in case something goes wrong. Whether you’re dealing with icy roads or a snowstorm, InsureOne has quality car insurance options to keep you covered during the winter months. When you are ready for the best automobile coverage, get a quote online. You can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to visit an InsureOne office near you.   

Drivers use automobile insurance to protect themselves financially in the event of an accident. But what if you do not get into a wreck, but your vehicle simply breaks down? In that case, you may need to contact a professional to have your car towed to safety. 

That leads to another question most people never ask until it is too late: Do you tip tow truck drivers? The short answer is “yes,” but it can be hard to know how much to tip for different circumstances. Fortunately, this guide to roadside assistance etiquette will tell you everything you need to know long before you need to get your vehicle towed. And with InsureOne, you can rest assured that no matter what happens on the road, you and your family will be taken care of. 

Tipping Tow Truck Drivers 101 

Most people are familiar with the idea of tipping waitresses and rideshare drivers. However, it is not always easy to know when to tip a tow truck driver. And how much you pay, and whether you should pay at all, depend on several factors. 

Wondering whether a tip is expected and why it is so important? Below, you will find answers to these complicated questions. 

Is It Expected to Tip Roadside Assistance? 

Tipping customs for service workers do not apply to roadside assistance. Unlike waiters and waitresses, tow truck drivers do not rely on tips as a part of their income. Therefore, they do not need you to pay them extra to receive a fair wage for their services. But you should always consider tipping for excellent service, and paying extra can make a difference for both of you. 

Why Tipping Can Make a Difference 

Why do so many say “yes” to the question “Do you tip tow truck drivers?” On the most basic level, tipping matters because it shows your appreciation for someone doing a hard, physically demanding job to help you in an emergency. Plus, even though the drivers do not rely on tips, receiving them can help pay for things like Christmas gifts and children’s birthdays. Finally, helping out someone when you do not have to can make you feel good, like almost nothing else. 

When Not to Tip — And What to Do Instead 

You should only tip if you feel you received great service; if the service is slow, the worker is rude, or you are otherwise dissatisfied, it is fine to avoid tipping. You may also avoid doing so if you do not have cash on hand. In that case, you can always apologize for not being able to give them money and offer to reward outstanding service in other ways, including naming them in an online review and/or personally praising them in a phone call to their employer. 

How Much Should You Tip? 

If you do receive great service, you may want to thank the technician with extra money. Wondering how much to tip the tow truck driver, though? The answer to this question will vary based on what they did for you and whether they went the extra distance (literally or metaphorically) for you. 

Below, you will find more information on tipping for specific services and when you should consider paying more than the usual amount. With these answers, you will be able to show proper appreciation for tow truck drivers no matter the situation. 

Situations Where a Bigger Tip Is Polite (e.g., Weather or Long Distance) 

How much to tip the tow truck driver may vary with the weather or road conditions. For example, even if they drive under 10 miles, you should consider tipping more if the technician is working after hours or navigating heavy traffic. Paying extra for late-night or emergency service also extends to flat tires and dead batteries. And you should always pay more if the technician is dealing with terrible weather, as this makes every aspect of the towing service that much more difficult. 

When a Simple Thank You Goes a Long Way 

One of the considerable roadside assistance tipping etiquette questions is: What should you do if you don’t have cash on hand? Thanks to debit cards and features like Apple Pay, fewer and fewer people have cash on them when an emergency strikes. In these situations, it is fine to show your tow truck driver appreciation with a heartfelt “thanks.” This means a lot to those working hard to help you out, and you can always leave them a positive review on social media when you get home. 

Roadside Assistance and Insurance Coverage 

Sometimes, the answer to “Do you tip tow truck drivers?” depends on whether your insurance covers it. For most drivers, roadside assistance is offered by their insurance carrier. Should the driver need car breakdown help, they can call and receive it without paying high out-of-pocket costs. 

What does roadside assistance actually cover, though? Why is it worth adding to your policy, and how much does getting towed affect your premiums? Below, you will find everything you need to know. 

What Roadside Assistance Usually Covers 

Roadside assistance typically covers incidents such as flat tires, dead batteries, lockouts, and jumpstarts. Fuel delivery and winching/extraction generally are included as well. If you need robust and versatile support when you are on the road, consider taking out InsureOne roadside assistance coverage. 

Does Towing Affect Your Insurance Rates? 

With most carriers, simply getting towed will not increase your premiums. However, the circumstances surrounding the incident may do so. For example, if you need to be towed after getting into an accident, your rates may increase. But if you need to be towed because your car refuses to start, your rates will not increase. 

Why Adding Roadside Assistance to Your Policy Makes Sense 

Adding roadside assistance (vs. towing services you have to pay for out of pocket) makes sense because it offers peace of mind. This is especially important if you are one of the drivers who really needs roadside assistance. 

Other Ways to Show Appreciation 

Tipping customs for service workers do not apply to tow truck drivers. You may not always want to tip, and it may not always be possible. Fortunately, there are other ways to show your appreciation. 

Wondering how to do so and how to stay both safe and courteous when being towed? Keep reading to learn the answers. 

Safety and Courtesy Tips When You are Being Towed 

Before the driver arrives, stay safe by moving your car to a secure location (if possible), locking it, and turning on emergency lights. While being towed, consider making polite small talk with the driver. This shows courtesy and helps the drive (which may be long) go by much more quickly. 

Leaving Positive Feedback or Online Reviews 

As an alternative (or supplement) to tipping for roadside assistance in 2026 and beyond, you can always leave positive feedback directly with the tow truck driver’s employer. Additionally, consider leaving a positive review on their website and third-party sites such as Google Reviews. 

Protect Your Car and Your Peace of Mind 

Do you tip tow truck drivers? Now you have the answer to this and many other questions, including how much to pay and when you should not pay anything at all. However, that leaves one more major question: Do you know who can protect your car while offering the peace of mind you deserve? 

Here at InsureOne, we know how stressful it can be when your car unexpectedly breaks down. When that happens, you need more than just another carrier; you need someone who will provide the service and compassion you deserve. Once you are ready to have an insurer that will give you the sympathetic care and best-in-class customer service, get a quote online. You can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to find an InsureOne office near you. 

FAQs 

Should You Tip If Your Insurance Covers Roadside Assistance? 

You do not have to tip if your insurance company paid for everything. As always, though, tipping is a great way to show appreciation for superior service. 

Are Tow Truck Drivers Paid Hourly or Per Job? 

Some tow truck drivers are paid hourly, while others are paid per job. This is why tipping for roadside assistance in 2026 and beyond is always a good idea: You never know when the person helping you out may actually be underpaid. 

How Can You Stay Safe While Waiting for a Tow? 

Move safely away from the road if possible, stay inside the vehicle, and turn on your emergency lights. Lock the doors and remain aware of your surroundings until assistance arrives. 

Can Roadside Assistance Be Added to Any Auto Policy? 

Depending on the carrier, you can usually add this policy at any time. You can always add InsureOne roadside assistance coverage ahead of a major drive for maximum protection when you are on the road. For example, car breakdowns during holiday travel are one of the situations where roadside assistance is a lifesaver. With InsureOne’s policy, you can rest assured that help and the best customer service in the industry are always just a call away. 

InsureOne has some tips to help you stay safe, make the flight, and have the Thanksgiving of your dreams. But just in case, it’s always best to be prepared. Make sure to have the best auto insurance with top-rated carriers before you embark on any trip in your vehicle, so you are protected come what may. 

Sound like a plan? Keep reading to discover some simple ways to make your holiday airport commute safer than ever! 

1. Remove Ice and Snow from Your Vehicle 

Part of what makes Thanksgiving driving so dangerous is that many people on the road will be driving erratically due to the snow and ice. And while you can’t make those erratic drivers into more reliable ones, you can make your own airport trip safer by removing any ice and snow from your vehicle before you start driving. 

It will take some extra time, but doing things like scraping off all the ice from your windshield can help to dramatically improve your visibility. You can’t always know what dangers the road will throw at you while you try to catch your flight, but you can at least make sure you are likely to see those dangers coming. 

2. Drive Slower Than Usual 

When you’re running late, you may be tempted to speed to the airport in order to arrive on time. However, one of the most important holiday travel tips is that you should actually drive slower than you normally do. 

Why is that? Everyone’s reaction times are slower when it’s snowing, and there are other road safety hazards to watch out for, such as hidden ice. By easing off the gas pedal on your way to the airport, you can avoid dangers like that and reduce the risk of crashing into other cars. 

3. Be Especially Careful When Driving Over Bridges 

While hidden ice is a potential danger to airport commuters, it is at least something you can see when you know what to look for. But there’s another icy danger that you need to worry about that can be downright invisible—icy bridges. 

Because bridges are elevated, they get colder quicker than the surrounding roads and stay cold for quite a bit longer. That means that even when no ice is present anywhere else, bridges may be frozen and could easily end your airport commute in a car accident. For maximum safety, go slow over these bridges and try to avoid hitting the brakes or even the accelerator if possible. 

4. Go Easy on Brakes and Accelerator 

Speaking of brakes and the accelerator, the last airport commute safety tip couldn’t be simpler. Whether or not you can see ice on the road, you should be very gentle when applying the brakes or using the accelerator. 

The reason for this is that the road is likely much more slippery than you suspect. Sudden acceleration and especially sudden braking may send your car spinning out of control and could even increase your chances of a tire blowout. But by taking it easy on the brakes and accelerator, you can arrive at the airport without any incidents or injuries. 

Make Your Airport Commute Even Safer Today with the Best Car Insurance 

All of these tips should help you arrive at the airport safely and get you home for Thanksgiving. But just in case something happens on the drive, it’s important to have the right automobile insurance. 

InsureOne is thankful for drivers just like you, and it’s prepared to offer you the safety and protection you deserve. If you’re ready, you can always get a quote online. Of course, you can also pick up the phone and give InsureOne a quick call at 800-836-2240. Finally, feel free to come into a nearby office at your earliest convenience! 

Want to learn more about Halloween safety and how you can avoid accidentally hurting anyone when you’re behind the wheel? Keep reading to discover our top driving safety tips for Halloween! 

1. Drive Slowly Even If You Don’t See Anybody 

Some of our tips are relatively simple but can nonetheless help you avoid frightful situations. For example, the single best trick to avoiding trick-or-treaters with your car is to drive slowly, especially in residential areas—even if you don’t see anyone walking around. 

Normally, drivers go through familiar neighborhoods at a steady pace unless they see someone walking a dog, taking out the trash, going for a walk, and so on. If you simply drive slowly for the entirety of Halloween, you can greatly reduce the risk of a pedestrian accident. 

2. Prepare for Pedestrians to Enter the Road from Unexpected Directions 

Speaking of both cars and pedestrian traffic, here’s a related tip. When you’re driving in residential neighborhoods, you need to assume that pedestrians will enter the road from unexpected directions, including walking out from behind parked cars. 

Even if the road looks clear one moment, a kid or two could pop out from behind vehicles, alleys, or the woods at any moment. Again, we recommend driving as slowly as you reasonably can, even if you can’t see anyone on the road when you first look out your window. 

3. Keep the Music Low Enough That You Can Hear Pedestrians 

Around Halloween, it can be tempting to pump some seasonal jams in your car. Whether you’ve got a custom Spotify playlist of your favorite spooky mixes or you’re jamming out to the local radio station playing “Monster Mash,” there is a lot to listen to as you drive around. 

No matter what you listen to, though, make sure that you keep the volume relatively low. This ensures that you’ll be able to hear pedestrians if they talk to you. In short, if you can hear the warnings from trick-or-treaters that you are dangerously close to hitting, you have a better chance of avoiding major injuries or property damage. 

4. Turn Your Headlights on Early 

Unless your car is using automatic headlights, there’s probably a certain time of night when you consider things dusky enough to turn on your lights. However, take it from us: on Halloween itself, you should turn those headlights on much, much earlier. 

Why is this important? While headlights improve nighttime visibility, many children and parents will be trick-or-treating before sunset. By improving your visibility that much earlier, you can improve trick-or-treaters’ odds of seeing you and staying out of your way. 

5. Be Careful Buckling Your Own Costumed Children 

So far, we have focused primarily on how to avoid pedestrian traffic during Halloween driving. But you also need to worry about dangerous distractions inside the car, including from your own children. 

Even if you have buckled your kids in countless times before, you need to be especially careful buckling them in when they are in costume. The costume may make buckling difficult, and the kids can get hurt if you must make any sudden stops. Taking a little extra time strapping them in means keeping your kids that much safer. 

6. Yield to Pedestrians (Especially Children) 

On any given day, it can be confusing to remember who has the right of way when it comes to pedestrians, intersections, stop signs, and traffic lights. So, when it comes to Halloween, we recommend keeping things nice and simple and just yielding to pedestrians all night long. 

Little pedestrians are likely to be distracted, and the parents who may be escorting them can only watch out for so many threats at once. By driving slowly and yielding to pedestrians, you reduce the risk of an accident while also giving trick-or-treaters the peace of mind they deserve. 

7. Ensure Your Own Costume Doesn’t Affect Driving 

Do you like to dress in costumes yourself? Whether you’re into cosplay or just occasional costumed hijinks, Halloween is the perfect time to let your inner child come out and play. But you need to be very careful to ensure that your own costume doesn’t negatively impact your driving. 

Make sure you are fully buckled and that nothing (such as a big hat or a complex wig) is affecting your vision. Remember, it’s always easier to put your costume back on once you arrive at your destination than to fiddle with it while on the road! 

8. Back into Parking Spaces Where Possible 

Our last Halloween safety tip for drivers is slightly unconventional but very effective. Basically, when you need to park in Halloween spaces, we recommend backing into them or otherwise making sure you don’t have to put the car in reverse when leaving. 

Why do this? While there won’t be many trick-or-treaters earlier in the day, they are likely to come out in force at night. By ensuring you don’t have to back out of a parking space during the busier part of the evening, you can reduce your chances of causing any major injuries. 

Protect Your Car From “Bumps” in the Night All Year Long! 

Now you know how to protect trick-or-treaters as you drive around on Halloween. But do you know who is here to keep your car safe all year long? 

Here at InsureOne, we’re all treat and no tricks, and we’re ready to offer you the best car insurance at affordable prices. If you’re interested, get a quote online. Of course, you can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our nearby offices at your earliest convenience! 

You might think getting high-quality insurance is enough to protect your automobile. However, you also need to worry about the heat, especially with this most recent summer giving us the hottest days in recorded history for several days in a row. 

Fortunately, preventing heat-related damage to your car is easier than you might think. Ready to make sure your ride is prepared to beat this heat? Keep reading to discover how to keep your car cool no matter how hot it gets! 

1. Park in the Shade Whenever Possible 

You don’t have to reinvent the wheel when it comes to cooling your vehicle in hot temperatures. For example, the most effective thing you can do is help your vehicle avoid the heat, and that means parking in the shade whenever possible. 

At home, it’s best to park in a garage if you have one, and if you don’t, you may want to invest in a carport. And when driving around town, try to park in parking garages when you can and in tree-shaded areas when you can’t. All of this adds up to help keep your car cool and reduce the chance you end up needing roadside assistance. 

2. Adjust Your Driving Schedule When You Can 

When you’re commuting to and from work, you can’t always control when you have to get on the road. For things like running errands, grabbing groceries, or going to the movies, it’s best to drive either earlier in the morning or later in the afternoon. 

At these times, temperatures are likely to be lower, which helps both you and your automobile mitigate the effects of this painful heat. This helps protect your car from much of the internal and external damage it may experience when driving in extreme temperatures (more on this in a minute). 

3. Wash and Wax Your Car on a Regular Basis 

Some drivers avoid washing and waxing their cars because they think these are acts of vanity. And why go to all the trouble if you don’t care about how others see your automobile? The answer is simple: washing and waxing the vehicle helps protect it from high temperatures. 

For example, if you frequently wash your vehicle, you can avoid the damage caused by minerals, debris, and even dead bugs, all of which can lead to your paint cracking in the heat. Waxing your vehicle at least twice a year offers additional paint protection as well as protection from direct UV damage. 

4. Install Seat Covers 

If you’re worried about how the sun will affect the interior of your automobile, you may want to embrace this summer car care tip and install seat covers. These covers work well with both fabric and leather seats, and they will protect the material underneath from the ravages of the sun. 

As an added bonus, these covers also help keep seats cool. Trust us: you’ll really appreciate that when you have to drive over long distances for your next summer road trip! 

5. Check and Maintain Tire Pressure 

Most drivers, if they are being honest, don’t monitor their tire pressure very closely or very often. When those summer temperatures start creeping up, it’s important to check your pressure each week and adjust it as necessary. 

Why is this so important? In short, while underinflated tires are always annoying to drive on, they may lead to a blowout once you drive them on hot pavement. A blowout could lead to injury or even death for you and others. Even if nobody gets hurt, you’ll be stuck with a bill for a new tire. With proper maintenance, you can keep yourself, your family, and your tires completely safe! 

6. Invest in a Windshield Sunshade 

Remember when we said that you didn’t have to reinvent the wheel when it comes to cooling your vehicle? Another tried-and-true technique you can use is to invest in a windshield sunshade. These shades usually take only a few seconds to set up and they can protect the interior of your vehicle from direct sunlight, which also makes the car more pleasant to get back into after a long day of shopping. 

There are also plenty of shade patterns available, including cute, licensed ones that make it look like characters from Star Wars are inside your vehicle. By getting a shade that matches your interests and personality, you can make sure your car looks as cool as it feels. If it’s safe to do so, don’t forget to crack the window to improve air circulation throughout the car. 

7. Monitor Your Car Battery and Fluids 

While you can easily monitor what the heat is doing to your paint and even your tires, it’s not always easy to tell what’s going on under the hood. Because of this, it’s helpful to have a trusted mechanic inspect your car at the beginning of summer and towards the end to make sure that the battery is healthy, the fluids are topped off, and the cooling system is intact (we recommend doing the same to prepare for spring as well). 

These are the kinds of things drivers usually discover only when it’s too late, and it can be downright dangerous for your car to break down in the middle of the road on a day with record-breaking temperatures. With a bit of preventative maintenance, you can stay safe and cool throughout the summer and beyond. 

Keep Your Car Safe from Unexpected Dangers 

Now you know how to protect your car from this historic summer heat. But do you know who can help keep your automobile safe throughout the year? 

Here at InsureOne, we think the best way to beat the heat is to offer the coolest automobile insurance in town. We’re always ready for you to get a quote online. You can also give us a quick call at 800-836-2240 or come into one of our nearby offices at your earliest convenience! 

Many drivers don’t know what proper spring car care looks like, and they end up making dangerous maintenance mistakes. Fortunately, that changes today. Keep reading to discover a list of top spring car maintenance tips to keep your automobile in perfect working order! 

1. Spring Car Care: Never Forget to Change Your Oil 

On paper, changing the oil in your vehicle regularly is one of the more basic aspects of car maintenance. Nonetheless, it’s easy to forget when you’re due for a change, and this can be dangerous in the spring. 

That’s because many drivers spend a lot of time on the road during the winter thanks to the holidays. These same drivers may travel again for everything from spring break to Easter. If you don’t change the oil before you get back on the road, you’ll burn more gas when you travel. Worst case, you can do major damage to the engine, resulting in either needing to sell your vehicle at a major loss or spending a small fortune to replace the engine. 

2. You Can’t Ignore Your Wiper Blades 

Spring is known for being a rainy season. But it’s important to ask yourself a big question: Is your car ready for all that rain? 

It’s easy for your windshield wipers to get damaged over time due to general use, and if you live in a snowy area, those wipers were put to the test during winter. If you’re not careful, you won’t be able to see anything outside your windshield the next time heavy rain comes. By replacing wiper blades now, you can keep your car and your family safe from heavy rainfall (and it’s getting wetter every year). 

3. Stop Putting Off Cleaning Your Car 

The phrase “spring cleaning” usually refers to cleaning the house, but this is also the perfect time to clean your car. In addition to making the vehicle look as good as new, there are other major benefits to cleaning the car both inside and out. 

For example, if you rarely clean the outside of your car beyond occasionally busting out a water hose, you risk the vehicle getting rusty. But a proper deep cleaning from a professional can help you avoid rust and protect the overall health of the car. 

Inside the vehicle, don’t forget to disinfect as many surfaces as you can. This reduces your chances of getting sick from something dangerous, such as mold. 

4. Don’t Overlook Other Fluids 

As we touched on earlier, oil is the primary fluid you need to worry about changing this spring. But while you’re at it, it’s important to top out other fluids in the vehicle, including cooling fluid, transmission fluid, power steering fluid, and more. 

Your automobile may not give you the same regular warnings to change these other fluids as it does for your oil. By going ahead and topping everything off (an auto maintenance plan can help with this), you can improve your car’s overall performance while avoiding any nasty surprises down the line. 

5. Nobody Can Afford To Ignore Their Car’s Tires, Suspension and Alignment 

While those cold winter months are rough on our skin and hair, our automobiles have it much worse. As we drive over roads, things like potholes damage our tires while also knocking our vehicles out of alignment. 

Between existing damage and alignment issues, your tires are likely to wear down much quicker. In some cases, they might explode while you are driving at high speed, putting you and your passengers in danger. However, if you take the time now to check tire pressure, align them, and have your suspension inspected today, you can drive into a safer tomorrow. 

6. Don’t Be Afraid to Take a Peek Under the Hood 

If you’re not mechanically inclined, you may rarely look under your car’s hood. But if you want to protect your car this spring, it’s important to lift the hood and inspect the condition of the interior. 

Even if you don’t know much about cars, a quick look can help you determine if your belts and hoses are in poor condition, and if so, replace them ASAP. With the hood up, you can also check if the coolant is old. By replacing old coolant now, you can reduce the risk of your car overheating in the warm spring and summer months. 

7. Car Maintenance: Don’t Forget About the Lights 

Pop quiz: When do you do maintenance on your car? Most drivers do so during the weekend while the sun is up. Because it’s daytime, though, you might forget to check the condition of your headlights. 

Sometimes, one of your lights may be out (which always makes focusing on safe driving more difficult) and fixing the issue now can help you avoid dangerous nighttime driving and reduce your odds of getting pulled over. Even if your lights aren’t defective, you may discover they are much dirtier than you ever imagined. Cleaning them now helps ensure other drivers can see you, and this could prevent another driver from crashing into you at night because they couldn’t see your car. 

Get the Best Car Insurance Rates Today! 

Now you know the biggest car maintenance mistakes to avoid this spring. But do you know who can best protect your vehicle once you’re out on the road? 

Here at InsureOne, we don’t just offer the coverage your car needs, we offer the coverage you deserve. We’re always ready for you to get a quote online. Alternatively, you can give us a quick call at 800-836-2240 or feel free to come to one of our convenient nearby offices.