A few weeks ago we had to do this:
Then a few days ago we had to do it again:
Our insurance covered it both times (sadly we still have to pay the mechanic, but ya can't have everything ;)
These two tows within two weeks have made our roadside assistance worth it for the next 14 years or so. Does that make sense? So basically the $200 we have saved by having the insurance could pay the small extra $14 yearly fee for a long time. Plus ours covers a lot-running out of gas, changing a tire, a jump etc...
Get it people. Get it, love it, and be grateful for it when the time comes to use it.
But I still hope you don't have to actually use it because that would mean you are stranded somewhere with a broken car. Never fun ;)