Technically speaking, any time you need your coverage to kick in, it's considered a claim but not all claims raise rates. Can't say for every insurance company, but for most, using roadside assistance coverage does not lead to an increase in your rate.

Roadside assistance coverage helps drivers when their vehicle breaks down. It is an option on almost every auto insurance policy. Generally, adding roadside assistance to your policy will get you: towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Good Hands Roadside Assistance Not really an auto club, but Allstate's program is open to everyone. There are no annual fees, but you'll pay per use. Towing costs $75 for the first 10 miles and $3 per mile after that. If you need another service (like a tire change), it costs $50.

While remaining in your car, if you have emergency roadside assistance service, dial them from your cell phone (if you have one). If you don't have roadside assistance service, call for a tow truck or by dialing your local non-emergency police station. If you don't know the number offhand, call 911.