Honesty if towing is that big of a deal for anyone, they should skip on mid-sized trucks and go for full sized. Mid-sized trucks are made to tow stuff like open a utility trailer that can carry a couple of atvs, a side-by-side, couple of motorcycle, ski jets and small boat.
Personally I tow...
Kinda sounds like the rod on the latch is broke or slipped off. They are usually plastic. There should be an access panel you can take off and look at it. I would turn it in to warranty though.
State Farm quoted me $133 a month. Single, no kids, no accidents. I’ll be checking other companies as the time gets closer.
Geico for what ever reason are stupid expensive in my area (rural KY).