WE have 2 car van, van gets used on grocery day or if we have to go separate ways at same time. We travel o more than 2 hrs round trip to doctors. Occasionally 1 of the kids has a car break down, and borrow van.
I will send u the company’s link in private mail. I can’t recommend them because they’re very very very hard to collect even patently valid claims from. Abusive imho. But it’s a good example of several insurance companies that offer discounts for driving few miles. You can ask your insurer about it. I think this company starts discounting for under 7500 miles a year and you can save about a third off their usual extortion amount. Shop around!