I've had Progressive for years and have been overall pretty happy with them, though I suspect a sizable chunk of my premiums are going to Flo. Clean record (my only moving violation was in California in 1982 for speeding in a school zone on a bicycle!) and my only claim ever was a couple years ago while driving my truck on an icy road when a deer ran out in front of me. Given a choice of hitting the deer or hitting a large maple, I hit the deer in a very low speed slide. Damage was only $150 over my deductible. So I'm the sort of driver and rider insurance companies love.
But none of the companies I've called offer more than 50 miles towing. I take good care of my bikes, but sometimes stuff happens. Sometimes stuff that can only be handled by a BMW dealer. And if it happens in the lonely corridor from Nebraska/Wyoming/Montana that dealer might be several hundred miles away.
How do others manage that risk?