It also covers some funeral and rehabilitation costs. It's not useful unless you face very high health-insurance deductibles. In states where it's required, get the minimum. Towing and labor only pays if you can't drive your car away from an accident. Members of auto clubs with such privileges don't need this coverage.
Rental insurance costs only a few dollars a year.
But if you can depend on another car in a pinch, spare the expense. Glass breakage coverage can add up to 20 percent to your comprehensive premium. When it's not built in to the premium, avoid it. Now, write down the coverage limits and deductibles you want for each car. Value your home properly.