This is something I hear on a very regular basis.  Yes, I try to lower said rate whenever I am introduced and asked to help this situation.  But what can I do?  I can;

• Get proposals from 12 different companies
• review the coverage and make some suggestions
• advise you to take a defensive driving coverage
• give some ideas about how/when to pay to save money
• review your discounts
• help you make a plan

So that is five things I can do.  Now what can you do;

• get proposals from the other twenty or so companies you can
• Actually make some changes on your coverage
• TAKE the defensive driving course http://www.newyorksafetycouncil.com/default.aspx?
• Consider not getting a monthly bill, pay in full to save more
• Actually go through everything
• Be patient, your ticket or accident is with you for three years
• Consider an older vehicle not a brand new one
• Ask yourself if you are ok with a small dent in a safe car
• Ask yourself how much work you can do around your home
• start looking at this as a vital piece of your financial plan
• review annually
• Forget your loyalty to a company, loyalty needs to go both ways

Way more you can do than I can do.

Just some suggestions, thanks for reading