Consider signing up with an emergency road service

Emergency road service: Liability, plus a little more

If you have an aging car, you may have chosen to buy only liability auto insurance to save money. For just a few more dollars a year, you could add a small safety net to your policy.

Like a motor club, emergency road service comes to the rescue when you need a tow, locksmith, or battery jump. Unlike a motor club, all drivers listed on the policy are covered. You will be given a number to call when you need assistance. Either someone will come out to help you without charge, or you will pay for the service and be reimbursed for the charge.

Flat tires, break downs and keys left in the ignition happen to everyone. ERS, at an average cost of $12-$15 per year, is well worth adding to your policy.

Emergency Road Service (ERS) is offered by most insurance companies, but some require you to buy comprehensive coverage to qualify.