Many insurance companys offer an ERS (emergency road service ryder) for only a couple $$ a year. I think mine is about $6 a vehicle.
Couple issues with it, no 800 number,you find your own tow or service, I do not see that as a problem. Actually I prefer it that way I do not want to get towed to an RV service place I want them to send a mechanic!
You pay upfront and get reimbursed, not an issue for many.
Using the ERS shows as an incident on your insurance, does not raise rates but if you want to change company could be an issue.
When I bought my Toyota, I bought a separate ERS policy through Coachnet. Once I have the vehicle and get it all done I will drop the Coachnet coverage and depend on State Farm for ERS.
HTH Jim