How to Get Towing & Motor Club Contracts

Motor club contracts are the lifeblood of most roadside assistance businesses. They provide a steady stream of dispatched calls without you having to do any marketing—the motor club sends customers directly to you. The trade-off? Lower per-call rates than direct consumer work. But for new operators, this consistent volume is what keeps the lights on while you build your reputation.

This guide covers exactly how to get approved with the top dispatch networks, what they’re looking for, and how to maximize your earnings once you’re in.

How Motor Club Dispatching Works

Here’s the basic flow:

1. A stranded motorist calls their insurance company or motor club (AAA, GEICO Roadside, etc.).
2. The motor club’s dispatch system finds the nearest available service provider in their network—that’s you.
3. You receive the call via the dispatch app or phone, accept it, and respond to the scene.
4. You complete the service (tire change, jump start, lockout, tow, etc.).
5. You submit the completed job through the app or portal.
6. The motor club pays you on a set schedule (weekly or biweekly).

Top Motor Clubs & Dispatch Networks

What You Need Before Applying

Every motor club has slightly different requirements, but here’s what almost all of them need:

Required Documents

• Business license — Active LLC or DBA registration in your state.
• Commercial auto insurance — Minimum $500K combined single limit (some require $1M). Must list your business as the named insured.
• General liability insurance — $1M per occurrence is standard.
• Garage keepers insurance — Required if you offer towing. Covers damage to vehicles in your care.
• W-9 form — You’re an independent contractor, so they’ll need your tax info.
• Vehicle registration — For your service vehicle(s). Must match your insurance.
• Driver’s license — Valid, clean driving record preferred.

Nice-to-Haves That Speed Up Approval

• Towing certification (WreckMaster, TRAA, or state-specific)
• RAPA Certification — Shows professionalism and commitment to industry standards.
• Drug-free workplace policy — Some networks require this documentation.
• Background check clearance — Most run their own, but having a clean record is essential.

Full insurance requirements breakdown →

How to Apply: Step by Step

Agero (Largest Network)

Agero handles roadside for most major insurance companies including GEICO, Progressive, and Allstate. They’re the biggest dispatch network in the U.S.

1. Visit the Agero service provider portal and create an account.
2. Complete the application with your business info, service area, and capabilities.
3. Upload all required documents (insurance COIs, business license, W-9).
4. Pass their background and compliance checks (1–2 weeks).
5. Complete onboarding training (online, ~2 hours).
6. Download the dispatch app and go live.

Swoop

Swoop is a tech-forward platform that’s growing fast. They offer some of the best per-call rates and pay in real-time after job completion.

1. Download the Swoop Driver app from the App Store or Google Play.
2. Complete the in-app registration and submit documents.
3. Pass background check and vehicle inspection (can be virtual).
4. Complete training modules in the app.
5. Set your service area and availability, then start accepting calls.

Nation Safe Drivers (NSD)

NSD is one of the oldest motor clubs and has a large network. Good for consistent call volume, though rates tend to be on the lower end.

1. Contact NSD’s provider recruitment team via their website.
2. Submit your application and required documents.
3. Wait for territory review (NSD checks if they need providers in your area).
4. Complete onboarding and training.
5. Begin receiving dispatch calls through their system.

Maximizing Your Motor Club Earnings

1. Stack Multiple Networks

This is the #1 strategy successful operators use. Sign up with 3–5 motor clubs simultaneously. Most allow you to accept or decline individual calls, so there’s no exclusivity conflict. More networks = more call volume = more revenue.

2. Maintain a High Acceptance Rate

Dispatch algorithms reward reliability. If you consistently accept 85%+ of calls, you’ll get routed more calls and often the higher-paying ones. Decline too many and the system deprioritizes you.

3. Beat Your ETAs

When you accept a call with a 30-minute ETA, arrive in 20. Motor clubs track your actual vs. estimated arrival times. Consistently beating ETAs means you get flagged as a preferred provider.

4. Keep Your Insurance Current

Letting insurance lapse—even for a day—can get you suspended from a network. Set up auto-pay and keep digital copies of your COIs (Certificates of Insurance) ready to upload.

5. Negotiate Rate Increases

After 6–12 months with a network, if your performance metrics are strong, you can often negotiate higher per-call rates. Document your acceptance rate, average ETA, and customer ratings when making your case.

6. Focus on High-Value Services

Towing pays the most per call. If you can add light-duty towing capability to your service menu, you’ll significantly increase your average revenue per call. A used wheel-lift can be found for $3,000–$8,000.

Beyond Motor Clubs: Other Contract Sources

Fleet Contracts

Approach local businesses directly for dedicated roadside coverage:

• Car dealerships — Offer roadside for their sold vehicles or loaner fleet.
• Rental car companies — Enterprise, Hertz, and local agencies need reliable providers.
• Delivery companies — Amazon DSPs, FedEx contractors, food delivery fleets.
• Property management companies — For tenant vehicle lockouts and dead batteries in parking structures.

Municipal & Government Contracts

Many cities and counties contract out roadside assistance and towing for highways, airports, and public parking. These contracts are competitive but can provide high-volume, long-term revenue. Check your local government’s procurement portal for RFPs (Requests for Proposal).

Direct Consumer (Highest Margins)

While motor clubs provide volume, direct consumer calls pay 2–3x more. Build this channel in parallel by optimizing your Google Business Profile, collecting reviews, and running Google Local Service Ads in your area.

Common Contract Pitfalls

1. Not reading the service agreement — Understand payment terms, mileage limits, and liability clauses before signing.
2. Over-committing on territory — Don’t claim a 50-mile radius if you can only reliably cover 25 miles. Missed ETAs will tank your score.
3. Ignoring GOA calls — Gone on Arrival calls are frustrating but declining them hurts your acceptance rate. Build the drive cost into your mental math.
4. Relying on a single network — If that network has a slow week or drops your territory, you’re stuck with zero calls. Diversify.
5. Not tracking per-call profitability — Factor in drive time, fuel, and wear on your vehicle. Some calls aren’t worth accepting if they’re 30 miles away for a $40 lockout.