The one good point in the article (apart from not paying for insurance you don't need) is to always look for a better deal, and this goes for anything like your

The one good point in the article (apart from not paying for insurance you don't need) is to always look for a better deal, and this goes for anything like your phone/Internet, electricity, mortgage. Insurers assume you are lazy and can't be bothered switching, and may even expect an increase. They will bump up your insurance because they know they can. Find a better deal elsewhere and ask if they will match it, and be prepared to switch if they won't - but never just pay the increase (unless you really can't find a better deal).