I think one reason tow truck coverage isn’t as good as it used to be is vehicles are generally more reliable now than 30 or 40 years ago. Sure there is the odd lemon but, overall, the manufacturers are making more reliable cars compared to decades ago. Therefore the service industry has to change to be able to stay in business. If cars don’t break down as often, is there a need for as many tow trucks?
For the OP, what does your paperwork say in terms of a response time for getting a tow? Do they provide one?