Same here, plus we are a Good Sam member so we get coverage not only on our vehicle from USAA, we get coverage to towing, flats, etc from Good Sam on the RV.It's like a security blanket. You may never need it, but it will save your butt if you do. IMHO YES! I had it until we got USAA insurance. We dropped it, because USAA provides us all the benefits that AAA does.