I am with BCAA (The British Columbia affiliate of AAA), I got the "premium" coverage, whatever that means, and it cost $130/year (CAD$). I gotta say that I am definately glad to have gotten it, and really feel like I have gotten my monies worth (2 tows, 3 jump starts this year). Being with AAA I was covered anywhere in Canada and the US. If your just going to be around town you may not need it, but if your going to do any travelling I would say get the best coverage you can afford.
Rob