You want cheaper insurance? Then ask for it!
The old days of Retail Price Maintenance, when prices were fixed and legally enforceable, have gone and now everything is negotiable. Many people forget that when dealing with their insurers though.
When your car insurance premium falls due and you think it's too high, do you simply pay it anyway, or go off to the price comparison sites to try to find a cheaper alternative? Or do you take the middle way, pick the phone up and speak to a salesperson at your current insurer, explain that you are thinking of moving elsewhere because the premium is too high, and can they please offer you a better deal? Insurance is a highly competitive market and once insurers have attracted their clients they want to hold onto them. Many salespeople have considerable leeway to negotiate about premiums and you will very often find that your current insurer would prefer to accept a lower one rather than lose you to a competitor. It should only take you a few minutes but could save you a great deal of money, as I can confirm from personal experience!