You could try asking for a quote with garage, and see if you can rent one for less!

Tried that! I have a garage and the car is sometimes in it (when I'm not storing piles of crap for my relatives). The biggest reduction I have ever been offered for the car being in a garage compared to off road was 50 quid a year, which is not worth the hassle...

It's not even as if my car is worth any money, as it's done 100,000 miles over the last 4.5 years, so I could probably get about a fiver for it !