You should be in the habit of shopping car/home insurance rates every couple years. Insurance companies expect churn, and being long time ‘loyal’ customer means nothing. They will raise rates arbitrarily, and count on a significant number of people doing precisely nothing. As they are all using this same practice, it guarantees customer churning. Shop a couple of new companies and you’ll almost certainly be offered a rate that has near parity with the cost you’re accustomed to for similar coverage (in the situation you described where no recent claims are in play and your vehicle has not changed).