Well seeing that I work for a standard criminal insurance company and hey you haven't insulted me or I'm sure the other agents that are members of this forum I'll answer your question. What you are talking about is a multicar discount, low mileage discount, some companies offer it, I know the company I work for, Allstate offers it. We also rate you short mileage if you drive under 7500 miles per year. If you drive your car less than 3500 miles per year and you basically drive it to Cruise Ins and car shows then you might want to check out Grundy out of PA. They have certain limitations but in the long run its extremely inexpensive. I pay 243$ a year, full coverage from Grundy. My car is an 05 tha has just over 10k miles on it. I valued it at 16,000$
Insurance rates are high for many reasons but nobody is holding a gun to your head, you have the right to shop. Do you have a young driver on the policy, under 21? Do you have your home and auto with the same company? Special discounts with some companies. How old are you? Your rates really should not go back up til 65, 55-65 is the lowest rates you should see. After 21 your rates should go down unless you have accidents. Tickets in Maryland don't affect an existing policy but can affect your rate when you sign up, Insurance regulation as I said is different in every state.
The place I'd start is with your agent. Ask him specifiaclly why it went up (age?) anything he can do to help you? Look at deductibles , mileage, multicar discounts, multipolicy discounts etc. If that doesn't work for you then start shopping.
Good luck.
By the way I think Progressive was offering a plan that was "pay as you drive" in other words tied into the amount of miles you drive. Please understand Insurance is regulated by your state so what you see available in one state may not be available in yours. I think I just heard the Progressive commercial last week.