It`s always a good idea to haggle with insurance.
I never just pay the renewal premium. I saved an extra £75 this year on my Hyundai Coupe, just by telling my insurer that I`d got a cheaper quote from someone else (even though I didn`t).
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Most companies will give you a cheapish quote in your first year with them, just to get your Business. Then hope that in year two you will just renew with them without looking for other quotes
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It`s always a good idea to haggle
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Top tip from a tight Lancashire Lad
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Regards,
Ian.