Well I've spent some time on the phone with Progressive & their 3rd party dispatch service Compass Marine services. Here's the rundown:
Basically If you go offshore more than 10 miles from your port or your worried the service charge will be more than $3000.00 go with Seatow. If not I'm thinking Sign & glide might be a better deal all round.
Progressives boating insurance without comprehensive coverage is cheaper than just having a Sea tow membership & it has more benefits.
Obviously its different depending on your situation, location, and boat size & value. For me, I have a small boat 19' and its not worth much $10,000.00 and I never go more than 10 miles away from my port. I have a clean driving record and I think that help a lot for getting cheaper vehicle insurance rates. For me its only $112 a year which includes a similar services sea-tow provides except theres a limit on the towing distance of 10 miles, fuel delivery, jump start, disentanglement, run aground service (in safe conditions only). They will also pay for the first hour of repair on your boat if towed to a repair shop. They will tow you to your choice of destination. The insurance also covers, bodily injury $50k - $100k , property damage $50k, medical expenses $10k, uninsured boater coverage $10k - $20k. There are other options you can choose but this is what I selected for a quote of $112.00 per year.
I called Compass Marine and they are the dispatch for Progressives sign & glide. Basically you call Compass and they call whoever is closest. In my area Compass has both Seatow & BoatsUS and other private towing companies they can call to get to you. The woman I spoke to said they would pick whoever is closest. The towing coverage is for charges up to $250 per hour & $3,000.00 per service request.
Progressive said I wouldn't have to pay any out of pocket expenses but I will still be bringing my credit card on the boat just in case.
If anyone has any input or can think of a reason that this isn't better than Sea-tow in my situation please speak up!