i now have boatus towing and trailer assist for less than 100.00 per yr. i have been towed once when my outdrive blew. the tow was 600.00 but didnt cost me a dime. i have had my trailer towed once when i lost a wheel ob I-75 in ky. dont know what that cost but didnt cost me anything. busted a tire on my truck. called boatus and they sent someone with a new tire and put it on my truck. that cost me 175.00 for the tire and installing it on my wheel. but it cost boatus 375.00 service call. anybody that goes out without towing is asking for trouble. i wouldnt leave home without towing and trailer assist that only cost less than 100.00 per yr. my towing insurance is paid for 15 yrs with what boatus has paid out.