One thing I wasn't aware of when I was shopping around for cheaper rates was that using your roadside assistance will really raise your rates. I had 4 of the roadside assistant claims over 7 years. Two of these were dead battery jumps, one was a flat tire and one tow. They all count as tows. Since I live in a rural area, I counted on the convenience of this service. I have since dropped this coverage from my policy since I do have Good Sam as well. It is better to call for mechanical service yourself if you are close to home or call Good Sam.