Sometimes, placing a call to your insurance company can lower your rates. Also, shopping around for quotes is a good thing to do periodically.
Read this article from the New York Times, to find out more:
http://www.nytimes.com/2012/02/04/your-money/want-better-car-insurance-rates-youve-got-to-make-the-call-your-money.html?_r=3&ref=business
Read more!