Roadside assistance in the insurance quotes are normally excluded. You have to add this or ask for this when taking out insurance. The reason is that many do not want it as they have AAA membership and see this as paying twice for the same type of service.
What the insurance company normally covers is for certain types of roadside repairs or towing services when your vehicle breaks down due to mechanical or electrical issues, a dead battery, a flat tire, a lock-out, or if you run out of gas. The additional cost is normally very low as about $2 per month. If you do not have AAA membership then this is a good addition especially if you are a woman or have small children who travel with you. Its an unsafe world and the additional $2 on average is a small price to pay for peace of mind.