How to Get Roadside Assistance Contracts with Insurance Companies

How to Get Roadside Assistance Contracts with Insurance Companies

If you're running a roadside assistance or towing business, landing contracts with major insurance companies can be a game-changer. These partnerships can provide steady work, increased credibility, and consistent revenue — but getting in isn't always easy.

So, how do you position your business to win contracts with big names like AAA, GEICO, Allstate, or Agero? Here’s a step-by-step guide to help you succeed. How to Get Roadside Assistance Contracts with Insurance Companies

Why Insurance Contracts Are Valuable

• Consistent Work: Get a steady flow of dispatches without spending big on marketing.

• Faster Growth: Contracts help fill downtime and keep your team busy year-round.

• Reputation Boost: Being affiliated with a recognized insurance company builds customer trust.

But it’s important to understand: Insurance companies have high standards. You must be professional, reliable, and ready to meet strict service requirements.

Step 1: Get Your Business Essentials in Order

Before applying for any contracts, make sure you have:

• Proper licensing: Local, state, and any special towing or roadside assistance permits.

• Commercial insurance: Liability, on-hook towing coverage, garage keepers insurance (if storing vehicles), and workers’ comp if you have employees.

• Reliable equipment: Well-maintained trucks and tools, GPS units, and dispatch systems.

• Professional appearance: Uniforms, branded trucks, clean and organized equipment.

Tip: Insurance companies look for reliable partners who won’t make them look bad to their customers.

Step 2: Build Experience and a Solid Track Record

Most insurance companies prefer working with companies that already have:

• A few years of experience

• Good customer service history

• Positive online reviews

• 24/7 availability

If you’re just starting out, focus first on building your reputation with direct customers and small local partnerships.

Tip: Join motor clubs (like Urgently, Questx, and Allied Dispatch) to build experience before approaching major insurance carriers.

Step 3: Research Which Companies You Want to Work With

Every insurance company (or their roadside assistance provider) has different requirements. Some major players include:

• Agero: Handles roadside assistance for companies like GEICO, Progressive, and more.

• Allstate Roadside Services: Manages its own in-house roadside network.

• Nation Safe Drivers (NSD): Contracts with towers for insurance, warranty companies, and dealerships.

• Urgently: Growing tech-driven dispatch platform that contracts with insurance companies and apps like Uber.

Tip: Start by applying to platforms like Agero or Urgently — they’re often more open to new partners.

Step 4: Prepare for the Application Process

When you apply, be ready to provide:

• Proof of business insurance

• List of services you offer (towing, jumpstarts, lockouts, fuel delivery, tire changes)

• Pricing information

• Service area coverage (zip codes, cities)

• Operating hours (24/7 availability is a major plus)

• List of available vehicles (light-duty, heavy-duty, flatbeds)

Some companies may also require:

• Background checks for drivers

• Vehicle inspections

• GPS tracking capability for dispatch transparency

Tip: Having well-organized paperwork and quick responses can set you apart immediately.

Step 5: Be Ready to Negotiate Rates and Terms

Reality check: Insurance contracts usually pay less per job than direct customer calls.

However, the trade-off is volume — more jobs without spending heavily on marketing.

Before you sign:

• Review their fee schedule carefully.

• Understand what is and isn’t reimbursed (mileage, winch-outs, waiting time, etc.).

• Ask about dispatch expectations (response times, cancellation rates).

Tip: Don’t be afraid to negotiate slightly better terms once you prove your reliability.

Step 6: Deliver Top-Notch Service — Every Time

Once you land the contract, the real work begins.

Insurance companies track:

• Your response times

• Customer satisfaction scores

• Number of complaints or service failures

If you consistently perform well, you’ll stay on their roster — and may even get priority dispatching during peak times.

Tip: Treat every insurance call like it’s a 5-star review opportunity.

Common Mistakes to Avoid

• Underestimating costs: Low pay + long-distance calls can hurt your margins if you’re not careful.

• Missing calls or slow responses: Major red flag that can get you dropped.

• Sloppy paperwork: Invoicing mistakes or missing signatures can delay your payments.

Solution: Stay organized, communicate clearly, and focus on fast, professional service.

Final Thoughts

Getting roadside assistance contracts with insurance companies can stabilize and grow your towing business, but it takes preparation, professionalism, and patience. Start by making sure your business is ready, then approach the right companies with confidence. Once you’re in, treat every job as a chance to strengthen the relationship.

Remember: Volume contracts are a foundation — but excellent service and smart growth will keep your business thriving for years.

Need Help Growing Your Roadside Assistance Business?

We specialize in helping towing companies get more leads, build professional websites, and land high-paying contracts. Contact us today and let’s grow your business the right way!