Posting a reply

Apologies, newbie here. Could someone tell me how to reply to a message?
I've no idea how to use this forum?
This is more complicated than online[/url] and I've tried that many times.
I once tried for a that wasn't fun.
I've looked for insurance[/url] as well.
I applied for a quote.
The internet can be good for cars[/url] sometimes.