If you are able, combine as much coverage in one place as possible - i.e. a car, motorcycle, boat, house, cottage, etc. You get multiple line discounts whereever you go. Plus let them know if you have an alarm system, if you put winter tires on your vehicles, etc. If you're a safe driver, increase your deductible. These are all decent ways of reducing your annual premiums. Also, don't change companies too often - you do want to have a good relationship with your insurer - that way claims are handled a little more liberally.
Timbit