I've heard from several sources that auto insurance companies tend to increase their charges if claims are made. As I see it, the most likely claim would be a flat tire change if the policy covered such. Mine charges $7 a year for this, towing, etc. Should I buy AAA or AARP roadside assistence insurance - ~$55 a year - and drop the coverage on the auto policy? I suspect an insurance rate increase is going to be much more than the $55.
Or am I wrong and such a claim or claims will not cause an increase - nor windshield cracks - only accidents, or whatever, caused by the policy owner's driving errors?
TIA