Car Trouble

Ok so i was driving the plymouth voyager to work, and it was totally fine. Then when i got out of work i got in the car and the wheel must have been really loose so i accidently bumped it and it was completely upside down and it was locked in place. So then i tried to turn on the car, but then the ignition was locked too. I tried to also turn the key back (like turn the key towards me) and that didnt work either. So both my steering wheel and my igniton was locked in place. And i had to get my car towed to a shop by my house and had to pay close to $800-$900 dollars (well my parents payed for it for now because they kno that its not my problem). Has this ever happened to any of you? if so what did you do? if this happens again to me, i dont feel like getting it towed...i want to know if there is some way to fix the problem without getting it towed.
Also what kinds of stories do you guys have with car trouble? like have you ever got it towed or has it ever broke down on you while you were driving? what did you do?