Lock Down An Insurance Quote
Many of the main insurance companies offer quote lock-in - allowing you to get a quote between 30 and 60 days before you need the cover. Check with each what their lock-in period is, then get a quote from them in that period. Then, when you come to renew, get a new quote, and use the cheaper of the two quotes.
You'd think that as you get older, your premium will reduce but this isn't always the case - and insurance seems to rise at rates sometimes beyond inflation for some people.