If you have ever broken down on the road, you know the benefit of roadside assistance. AAA is probably the first service that comes to mind. But more and more companies want to help you get out of a jam. In this Consumer Watch Report, travel experts size up your options.

AAA has 49 million members who rely on their service for roadside assistance.

"My wife and I have been members of AAA for about 12 years. It works. It's worth it," said motorist Garrett Johnson.

Consumer Reports looked at full-service auto clubs like AAA, as well as roadside help offered by carmakers, insurance companies, credit cards, and even cell-phone providers, like Verizon and Sprint PCS.

"There are a range of services, lots of extras, and many prices. Auto clubs, for example, range from 40 a year to as much as 100 dollars," said Tony Giorgianni of Consumer Reports.

Your first step, check to see what coverage you might already have, including what comes with your credit cards, or with your new car. Some manufacturers offer it free for the length of the warranty. So do some certified used cars, like Toyota and Chrysler.

Consumer Reports said it's important to read the fine print carefully to know exactly what the plan covers. Some cover a specific car, no matter who's behind the wheel. Other plans cover the member no matter which vehicle they are driving, even a rental car.

"If you have coverage through your cell phone, typically, you have to have the phone with you in order to get roadside assistance. No phone, no roadside assistance. So don't leave it at home," said Giorgianni.

Consumer Reports said lastly, weigh costs against your needs. Most people don't need the most elaborate plan.

"If your family has more than one car, more than one driver, consider a full-service auto club like AAA, GM Club, AARP, or the Better World Club," Giorgianni said.

Once you have good coverage, the best scenario, that you will never need it because breaking down is never fun.

Consumer Reports said is aware there could be a hitch with roadside assistance that comes with an insurance policy. Some carriers consider a roadside help call a negative, just like an accident claim. Consumer Reports said that could lead to your rates going up, or worse, you being dropped by the company.

For more helpful consumer information, visit Consumer Reports on the Web. Just click on the link: Consumer Reports. Consumer Reports is a fee-based Web site. Many of the articles require a subscription.