They would break down and get a tow and praise the great AAA, but I got the same thing from my cheap insurance. Why should I pay all that money for something I felt I already got. That all changed when I got my new job.
Suddenly, I found myself traveling more than 80 miles each way on a daily basis. It was mostly interstate driving, and for the first year, I had no problems at all. My boss was a great guy and thought that I should probably get AAA just in case. Their membership included four 100 mile tows per year, while my insurance was like 25 or 50 miles.
When the winter hit and my 80 mile commute went from and hour and half to sometimes two or three hours, I broke down (no puns intended) and got AAA. One day as I was leaving work at 5 p.m., my car didn't start. I tried to figure out what was wrong and then I remembered I knew nothing about cars. So there I was with no money, no car and no way to get home.
I had a great mechanic at home, and I didn't want to use one of the random ones from the area. I called AAA and the tow truck driver came and took me all the way home, 80 miles remember, and dropped the car off at the shop. He wasn't too happy about it, but AAA provided me with the resources and he had to do it. I ended up using all four of my tows that year.
If I didn't have AAA, then is would have cost me almost $1000 plus the cost of fixing my car. I love AAA and will always keep them handy.