I am American, but you should shop around for other insurers often.
I stuck with one company for 10 years and they increased my 6 month price by $250 from six months prior, despite no claims or tickets in 5 years and a lower appraisal value on the same car. Another company was $390 cheaper for more coverage over a 6 month period.
Insurers distribute the higher costs of cars due to technology and total write-offs on some cars for damage that would not total other cars to everybody. So shop around and don't fall for the concept of customer loyalty creating customer advantage, they just want more from your loyalty at a lower cost.