Here in BC, you pay your tax when you get your registration updated/plates as it is all government controlled. So only you have those driving around with expired plates (coloured sticker and number on the plate tells of expiry date). That being said I drove my Intera for almost a year without the stickers on (forgot to put them on) before one of my customers pointed it out to me.[:I] So it is possible for someone to be driving without insurance and it's up to the cops to check the expired plates by sight or road stop checks).
As the we no longer work regularly we only insure one car at a time, the 4X4 Tercel in winter (it might snow you know [:p]) and the Integra with A/C in summer as we can insure by the month or group of months. The collector cars are covered by one plate/low insurance premium all year around.
TR7 Spider - 1978 Spitfire - 1976 Spitfire - 1988 Tercel 4X4 - Kali on Integra - 1991 Integra - Yellow TCT