I can't recall how much I pay..maybe $400 a year...but I can tell you I saved over half going from Hagerty to Grundy for the same insurance. That low it's not worth it to me to do the on-off-on again dance.
And all you have to do is forget to call and put the coverage back on one time, and have an accident when you do, and you are totally screwed.
As far as $200/year being unreasonable for 3-4 drives...How are they being unreasonable with regard to what they charge you? How does the insurance company know that you only drive it 3-4 times?
