Webb, if you are worried about the tow companies focusing on the members first, consider joining Boat US for the minimum amount. It's dirt cheap for their basic coverage, plus you get a magazine, discounts at West Marine and fund their fight to protect boating.
For $19 a year you get $50 of towing, which will not be enough. But it does give you a 24/7 number to call or radio. You can submit the difference to insurance. Just make sure you carry a credit card to cover the difference. For $34 you get unlimited freshwater towing.
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