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As others have said...you go on line and get other company quotes, of course these will be cheaper that yours.
Now ring up your insurer and complain. You will find they suddenly lower the re-insurance rate considerably if you do it right.
I found our insurer, AAMI had cheaper rates for our vehicle on-line than the re-insurance quote I received from them. I called, mentioning loyalty and on-line prices and they were very helpful. They lowered to better than the on-line rates for me so I was happy. Just engage them in conversation...don't huff and puff...this turns the operators off. I have done this every year for the last 5 years (different vehicles though) and it works every time!
Don't be afraid to change companies either but stay away from some of the newer or smaller companies that insure you less if you drive less...there is always a catch!
Oh, I also try to insure for "an agreed value". Not for an outlandish amount but for something better than their "market rates" which decrease as the vehicle ages ....yet you pay more for insurance! One of the mysteries of life!
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