Most agents just don’t get it—especially when you mention winter driving out here.
Ain’t that the truth. I once tried explaining to a city agent why my ‘97 Ram had more value with a working block heater than half the cars on their lot. Got a blank stare and a pamphlet about “comparable vehicles.” Sometimes I think these companies believe we all drive on dry pavement year-round...
Had a city agent try to tell me “chains aren’t really necessary” when I asked about coverage for winter gear. I just laughed and told her to come out here in January and see how far she gets without ‘em. I swear, if you mention snow tires or block heaters, half of them look at you like you’re speaking Martian. Not sure they realize we’re not all living in Miami...
Had the same conversation with an agent last year—she couldn’t wrap her head around why I’d want coverage for things like chains and extra winter gear. I tried explaining what it’s like when the plows haven’t come through and you’re stuck halfway to Casper in a whiteout. She just blinked at me. It’s wild how much folks assume everyone’s driving on dry pavement year-round. I swear, if you haven’t had to plug in your block heater at -20, you don’t get it.
It’s wild how much insurance folks just don’t get what it’s like out here. I’ve had similar conversations—tried to explain why I wanted extra coverage for things like snow tires, chains, even towing for when you’re stuck in a drift at 2am. The agent just kept repeating the standard policy language, like that was supposed to help me when my car’s frozen solid and the nearest tow truck is 50 miles away.
Honestly, I think a lot of people just assume “car insurance” means the same thing everywhere, but Wyoming’s a whole different animal. If you haven’t had to dig your car out with a shovel in -10 windchill, you probably don’t see the point of all those extras. I get where you’re coming from—sometimes it feels like you have to fight just to get someone to understand basic winter realities.
Hang in there. You’re not crazy for wanting coverage that actually fits where you live. It’s frustrating, but you’re definitely not alone in this.
Had a similar run-in with an agent last winter—tried to explain why I wanted coverage for my ‘72 Bronco that actually made sense for Wyoming. Got the same canned responses about “standard roadside assistance” and “not covered under normal wear and tear.” It’s like they’ve never seen a snow-packed ranch road in January. I ended up adding a local towing company to my contacts and just paying out of pocket when things got rough. Not ideal, but at least I know someone will actually show up when I need them. Insurance just doesn’t seem to get it unless you’re in a city...
