If you generally like your insurance company and have good benefits there, try getting requoted. Usually they up the rates every year and can't lower them, so then they 'make a new company' under their same brand and basically you re-start with lower rates. Rinse and repeat every few years. If you do switch companies altogether, make sure it's one where you can get an accident forgiveness clause up front; there are places that make you wait at least a year before you can add that protection. Also be sure to 'bundle' your home or renters or jewelry insurance or whatever together, and you can get a discount that way. And you can check to see if any organizations you are affiliated with receives a discount with your company!