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Business is business. However, sometimes the more you switch things like this the more it impacts your credit rating because every time someone checks your credit it has an impact on your score for a period of time.
I can't really say since I don't know how much you're saving. If their rates are still good a year from now perhaps it would be worth changing.
Another way to save a lot of cash is to save up and pay the entire 6-month premium at one time. You'll usually save 25% of the premium by doing that. It might hurt for six months but once you've saved up you'll always be paying in full and then saving much less each month instead of giving a lot to the insurance company as virtual interest.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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