1. Don't hesitate to switch insurers:
There are plenty of people who stick with the same insurer for twenty years. Perhaps they're happy with the service they've obtained in the past, or maybe they like the speed with which their insurer processes claims. That's fine - if you're 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.
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2. Add your most responsible female family member as a named driver on your policy:
The more good drivers that are designated 'named drivers' on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that's even better. From the insurer's point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there's a chance the cost of your premium may be too. It doesn't actually matter if this person hardly ever drives your Renault.
3. Practice the fine art of bargaining: