S.W.
Just be careful about switching around too many times. There might be a file you get in. Yes things go up nothing much ever goes down. Just try your best to see if there is something you might be able to lower (like medical or liability).
If my policy only went up $15 that would be great. Do you have both of your policies with the one insurer? You usually get a discount if you do.
Good luck.
The other S.