Totally agree with shopping around regularly—saved me a good chunk last year just by switching providers. A couple other things I've found helpful: -...

- Had a similar experience last winter... kept a portable pack in the trunk "just in case," but it barely got me from stranded to slightly less strand...

- Totally agree with the peace of mind point—it's underrated. I had a minor fender-bender last year, thought I'd handle the insurance myself to save c...