You will sign a road hazard warranty form and what is on that form and only what is on that form is what your warranty covers.  Look into whether the coverage is local or nationwide and whom actually provides the coverage.  It is also important to note that if you have Triple A (AAA) coverage many of these items like free breakdown tows and such are already covered for you.  So, whether road hazard warranties are for you will depend on your specific situation, level of affordability, risk assessment (keep in mind, it has been noted that the average person gets 1 flat every 10 years – so if you have not had it happen yet, it probably will), auto club memberships and level of coverage, etc… 

If you buy it at a new car dealer’s service department the service advisor is paid a commission on everything you have done or written up through them and so you’re costs will be much higher (most likely a trip to ripoffsville - see our recent article on car repair scams).  So, in the end, do a little research and call around.  Ask for the lowest prices on both your tires and on the road hazard warranty.  Some places like BJ’s have low price tires and free roadside assistance along with the tire hazard warranty coverage.  A little research can easily save you hundreds on your next purchase of tires and the hazard coverage and put a little extra piece of mind in your pocket.  The road side hazard warranty or insurance is a good idea, you just have to make sure you aren’t overpaying for it and that you are getting good coverage you can count on.