My bike insurance is Progressive, and I added road service for under $10 per year. I've used it three times--a rock hit/flat, a wreck, and one regular flat. Two of these were way the hell in the middle of noplace and needed LONG tows. Have you priced towing, and taken mileage into consideration? This policy covers towing (flat bed) up to 150 miles per incident--that's WAY more than most. It was fantastic coverage and I can't recommend it highly enough. Ditto the service and coverage from Progressive. Not the cheapest to buy, but I've gotten MUCH more back in benefit payouts than I'll pay the rest of my life in premiums if I never make another single claim.