Something to consider - assistance is going to cost $50 - $200 if you pay cash, and depending on what's needed. No premium needed. The big advantage to a service is that one call can locate somebody to help you.
Personally, I don't bother - but I'm towing an A-frame pop-up with a minivan. I pulled my wheels at 9 months and hand re-packed the bearings. I also had the tires inspected and balanced at the same time. I have considered my risks, and taken actions to reduce the risks where practical. So I feel pretty confident self-insuring.
my thoughts, your choices
Fred W
2019 Flagstaff T21TBHW A-frame
2008 Hyundai Entourage minivan
camping Colorado and adjacent states one weekend at a time
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