Sounds like the question the OP asked are getting opinions based on service not the difference in the policies. I too question what the difference is as asked by the OP. Our is up for renewal this July. I thought there was something similar last year when we signed back up - but got a discount on the premium which brought it down to 89.00.
I don't know about the rest of you, but we have two policies - one with Coach Net and AAA. Just in case one gives us a hard time. The extra $100 means nothing if your only insurance company tells you they can't service you and you left stranded or paying the towing bill yourself.