I do have a genuine love for insurance and making sure that people are protected properly and informed on how it actually functions and works. While insurance is important, it is also important to be aware on how to actually properly use it so you don't penalize yourself in the long run, such as having the emergency roadside. Yes, it is helpful, but if you are calling every time you run out of gas, it is going to change your rates, so maybe be more mindful and make sure you have a full tank.