yea, definitely check your insurance company. I drive an 88 Dodge Aries, and they "suggested" I get it (likely, since I dropped full coverage, comp, collision, etc. when my other car got totaled..).
the road side service is only 10$ extra per month, so I said, eh, wth, I'll take it.
Thus far, I've used it once

Locked my keys in my car....err...well, I shouldn't say I did, but somehow who was driving my car did....pfft.
I didn't think about the whole towing/mileage thing though....lol. But I know enough people, that if I get in a bind, they could tow me

Been there done that lol. Just not with this car
And on the plus side, there's a svc center nearly every 10 miles here....