01-12-2010, 06:15 PM
Depends on three things:
1. The conditions in which you drive
2. The exact policy of the program as it relates to prorating and all that
3. The policy as it relates to your vehicle
I used to buy RH, but I rarely used it. I have a tire in my garage I keep meaning to take in on that, but I keep forgetting. I had to replace it in another state at the time.
Anyway, if you're a construction worker, work on a farm... anywhere that you're apt to trash tires, it may be a good idea. For me, I don't so I figure I save more by not getting it than what a new tire is going to cost me.
The way the policy is written is even more important. I second that Sears is pretty good, but others have policies that essentially make the plan worthless. This is also especially important for AWD vehicles. Often in order to use the RH insurance, you have to buy an entire new set of tires even if the three remaining tires are within tolerance. If you refuse to do that, they refuse to cover it. Having an AWD car myself, I don't want to have to buy three new tires plus insurance just to replace one tire.
Personally now I just go for the best price on tires and consider what I saved an insurance policy against repairs. TireRack.com and DiscountTireDirect.com are both pretty good.
1. The conditions in which you drive
2. The exact policy of the program as it relates to prorating and all that
3. The policy as it relates to your vehicle
I used to buy RH, but I rarely used it. I have a tire in my garage I keep meaning to take in on that, but I keep forgetting. I had to replace it in another state at the time.
Anyway, if you're a construction worker, work on a farm... anywhere that you're apt to trash tires, it may be a good idea. For me, I don't so I figure I save more by not getting it than what a new tire is going to cost me.
The way the policy is written is even more important. I second that Sears is pretty good, but others have policies that essentially make the plan worthless. This is also especially important for AWD vehicles. Often in order to use the RH insurance, you have to buy an entire new set of tires even if the three remaining tires are within tolerance. If you refuse to do that, they refuse to cover it. Having an AWD car myself, I don't want to have to buy three new tires plus insurance just to replace one tire.
Personally now I just go for the best price on tires and consider what I saved an insurance policy against repairs. TireRack.com and DiscountTireDirect.com are both pretty good.