We have had the same frustrating situation. My wife and I are the only two
drivers in the household. Most times with only one car on the road at a
time.
We by no means are well off financially and currently have 6 cars insured
and 1 pop-up camper.
My wife and I have tried for years to explain are situation to
State farm that has not be helpful in guiding us in any way other than
giving them more money.
The best so far has been to have antique or depending on your area collector
car plates.
By having these plates (or tags) the insurance company knows that you are
limited in driving the vehicle by law. for example: To and from car
shows/parades, to and from repair shops and my favorite "demonstrations" I
can't go to and from the store without  someone talking about the old
splits, especially in regards to my 63 deluxe " I had one just like that, I
think it was a 1979".

I have a written appraisal on three with photographs on file with State
farm. They are insured where they sit for the full amount of the appraisal,
so if anything happens to them or when we do drive one of them we are
covered. My deluxe is insured for $10,000.00 replacement cost for about
$150.00 per year.
This information I got from a collector car friend of mine. When I asked my
agent why they never told me of this before her excuse was: "Its just a lot
of work to get an appraisal and photographs."  Its not that much work to
save money.
This is by far the best way to insure cars not driven as primary
transportation.
In Illinois the car needs to be over 20 years old to be an antique.

Rob

63 15 window deluxe
66 sundial
67 crew cab
70 baja bug
84 rabbit convertible
89 2.0 16V powered Wolfsburg Vanagon
90 Vanagon GL
84 Starcraft pop-up
& other assorted VW's not currently insured