I just did one a couple months ago on my WRX, waiting until after winter for my GT. With my insurance I can claim it once a year per vehicle, they just take the deductible out of the total amount which gets paid directly to me as long as it's under a certain amount. I think I've claimed it a total of 5 times on various vehicles in the last 6 years. My insurance company is very good about it. I have USAA for insurance.