Do you know discounts you are eligible for? More importantly - Does your agent who sold your policy knows these discounts? Insurance companies add/change/delete discounts and they constantly tweak these to manage their business.
Some of the common discounts you might have heard from your agents or numerous insurance websites are - accident forgiveness, Safe driving, Defensive driving, Anti theft, muli policy, smart ride etc.
At times in the midst of policy period you might be eligible for more discounts! Has your agent called you any time about this?