My insurance company never decreases my premium for renewals. The only option for me is to call and ask them not to increase - sometimes worked, sometimes not.
Right now, I even don't bother asking them the reason for the increase. If they can keep the previous rate, I will stay; otherwise, will have to consider not to renew the policy.
Many consumers commented that car dealers and insurance companies treat Canadians like idiots. Look at the gas price, car price and insurance premium, they are all over priced.