Anyone else have this happen to them? I got my semi-annual bill for my truck insurance this last week. Last year I paid $180 for the full year, just liability. Well, I got the notice in the mail a few days ago and decided to call and ask if there was a discount or a way to lower my insurance costs since I don't drive nearly as much anymore. I explained to the lady that I have almost ten times the miles on my bikes this year than my truck and while I don't want to completely drop coverage, 'cause we do use it every so often, could I get a lower rate. She pecked around on her keyboard and then told me that they would be able to take forty dollars off my bill! SWEET! I'll take it!