Ask for a discount
We are big fans of simply asking insurance companies if there is any way that we can save money. Ask what is the best deal they have, what are the terms and conditions of the deal and what are the discounts. Insurance companies after all are only businesses and sometimes they will accept lower margins to increase their customer base.
You might qualify for discounts by being: accident free, for having a low mileage each year or for living in a low crime area. The theory is simple if you don’t ask for a discount you may not get the discount.