Don't know about USAA TOWING insurance, but for $99 to $109 a year, Good Sams ERS or Coachnet will tow every vehicle you own, including your TT, 5er, MH, whatever you own to be towed to nearest dealership...They will do unlocks, change tires and deliver fuel, as well as help you map a route if you need it. The insurance offerings are hard to beat for the price. A lot on RV.NET won't leave home without Good Sams ERS or Coachnet, and I'm one of them. I have Coachnet now, but both have more than paid for themselves over the years I've carried one or the other.