[LeifCarrotson]

I can call my insurance agent and take a vehicle (seldom-used winter beater truck in the summer, or seldom-used summer car in the winter) on or off the road at a whim, prorating my premium appropriately.

That sucks for usability, but I wonder if there exists a market for 'smart insurance' where I can log into a webpage or use an app to put it on or off a car.

But the real answer, I think, is getting a quote for your actual mileage. You're driving 7000 miles a year and being lumped into a risk group with people who are driving two or three times as much:

https://www.fhwa.dot.gov/ohim/onh00/bar8.htm

Unfortunately, I've found that mileage doesn't have a big impact on my premiums.