If I understand things correctly my US bros. can buy a blanket insurance policy for your passenger vehicles.
In Ontario, to contrast, I have to buy a discrete policy for each vehicle I own. Now, my sports car can be insured with Hagerty so that rate of $250/year is fair.
But Ontario carriers want me to buy a complete policy, all mandatory stuff, health and rehab, blah blah for each car. So a single driver in a household with 3 cars gets to pay full rate x 3. That is nonsense. Last time I looked I could only drive a single car at a time. Oh, I also must state that NO OTHER drivers will EVER use my cars!!! So with Ontario insurance running an average of $1300/annum these bozos expect me to pay $4K ANNUALLY for my Vue and 2 Mirages.
Along comes CAA (AAA for Canucks)
I can buy insurance by the 1000 kilometer block. So if I only drive my Vue 4000km over the year I'll pay about 1/4 the annual premium. Not ideal, but much better than paying 100% of the annual premium and only driving 25% the distance of my Mirage.
So my US buds, tell me how it works to insure if you have your primary and an secondary like Mark, 7miles, basic, Eggman (don't you have a Jeep secondary?)