Flat tire? How to pick the right roadside assistance plan

Whether you've locked your keys in the car, your tire is flat or your battery is dead, a roadside assistance plan can come in handy. Here's how to find one right for you.

"First off, we tell consumers to do their research," said Jon Linkov, a Consumer Reports Auto Editor. "For example, many insurance companies offer roadside assistance as part of a basic package or as an add on to your coverage."

Basic plans typically start around $60 the first year, but some insurance companies view roadside assistance calls as a claim. That could raise your risk status, and, ultimately, your rates.

Long distance travelers may want premium service, which can cost hundreds of dollars a year but may include hundreds of towing miles, emergency fuel delivery and even medical assistance. Triple-A, National General Motor Club and Good Sam Roadside Assistance offer such plans.

"It's important for you to narrow down your needs," said Linkov. "If your spouse or even teenage children drive, look for a plan that covers multiple drivers."

You should also check with your vehicle manufacturer, because some provide coverage for their specific cars during the warranty period.

Vehicles equipped with telematics, such as Hyundai Blue Link and Toyota Safety Connect, may offer roadside assistance.

Calling for help is easy -- many plans have smartphone apps and use GPS coordinates from your phone to provide your location.

Plenty of credit card issuers also offer roadside services. Some offer it for free, and others charge, so check the fine print before you actually need the service.