As much as I hate having to do it, shopping around for all my insurances is an annual thing now.
Like clockwork, I get my RACV renewals at the same time each year (house, two cars, caravan - all co-termed) with the usual, unjustified premium hike. I then go get three competing quotes, ring RACV, and tell them I'll leave unless they can do better. Inevitably, they point out that the quotes I've gotten include new customer incentive, at which point I tell them to look really hard for a loyalty incentive.
They usually find something that brings me to within a few hundred buck total of the competing quotes, at which point I accept. Amortized over 4 policies for 12 months, it's usually not worth my time (and the pain) of having to change everything over.
I fucking hate the insurance industry.