As per the other posts, play around with near the renewal date.
I'd also suggest logging into something like the autotrader website for their insurance search service - it'll give you results across many insurers and you can pick the best/cheapest etc based upon 3FT or FC.
That's what I usually do each year & it's worked out ok for me.
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Now: 04 reg V70 2.4 SE 2.4 auto 177k
Then: Volvo, Saab, BMW, MB, Ford, Vx, Opel, Fiat, Rover, Porsche, Alfa, Austin, Renault, etc
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