Ask your insurance agent this:
If I break down late at night, on a weekend or holiday in the middle of nowhere and have no idea who to call for towing assistance, do you provide a 24/7 phone # I can call, where someone will answer, determine my location, find the closest towing service or whatever that I need, and get them to my location to help me?
That is frequently the big difference with Good Sam ERS, AAA, or Coach Net. They provide a call center open 24/7 that you can call. They will find you a towing service or whatever you need closest to you and get them to your location when you're in unfamilar territory and don't know who to call.
The peace of mind that gives you, IMO that alone makes it worth the $$.
A policy with State Farm or whatever insurance that covers expenses from a breakdown AFTER its done and over, but no 24/7 call center to help you when you're stranded during off hours....Doesn't do you much good when you're broke down, stranded in the middle of nowhere and don't know who to call to get help.
