It might be nuts, but we just had my DD's tiny Chevy Spark towed to the dealership, cost more than that and they sent out the smallest tow truck I've ever seen to do the job. Like most insurance, appears to be a waste of money until you really need it. I personally would have more faith in FMCA than anything related to CW/GS, for us the price difference is nominal, what I would spend on a decent dinner for my DW and I or half a tank of gas for our rig.