I'm in Canada so it might not apply to the US, but CAA (Canada's AAA affiliate) can maintain your membership without roadside assistance. So when I had cars that were covered by warranty and included roadside assistance, I simply downgraded. Membership was only $20 a year. Then when my warranty expired, I went back to regular membership.

Check with AAA to see if that's available. Then you can maintain your lower insurance rates for both car, home and travel.

 

If you have AAA and you tell them you have to have a flat-bed they will send one.