An emergency, which is often overlooked, is when your car breaks down. Often this is really only an inconvenience as you wait for someone to come and pick you up, but it can turn into a dangerous situation depending on where you are traveling and the time that you are traveling.
I was with a group of friends on our way out of town when the car suddenly caught fire. The flames were actually coming into the interior of the car. Fortunately as soon as the driver turned off the car the flames stopped and we were all safely able to get out. We did have a cell phone so we were able to call for help. We were about forty-five minutes out of town, in the middle of nowhere. It was hot. I was so relieved when help finally arrived about an hour later.
An easy way to prepare for a roadside emergency is to build a car emergency kit. This is very similar to your emergency kits but a lot smaller and more compact. You should be able to fit most everything you need into a two-pound coffee can. You will want to include a small first aid kit, nonperishable food (an energy bar or two will work great), bottled water, flares, tissues or toilet paper, moistened towelettes, blankets (the little metal emergency blankets would work), and a flash light.
You may want to carry jumper cables, tools to work on your car, a hose for siphoning and a fire extinguisher in the trunk of your car. If you travel in isolated areas you should take a basic auto repair class so that you can trouble shoot and repair the car yourself rather than waiting for help. These skills are useful and can save you money as well.