Mine is close to 500 a month. I drive a 2008 truck and live in western Canada. Yup its crazy alright.
I had an idea before called 'ghosting':
You and a friend buy the exact same car but live in different parts of the city/state/province.
You both go under the same insurance policy and also things like tax, warrenty, insurance, road warrenty test for only one of the cars.
Copy the plates so both cars have the same and don't ever drive near each other.
I was real close to doing this before but didn't follow through. Would work for sure back in Ireland.