I use Progressive and it too goes up each year a bit. The raises are a result of a few factors but you not having any doesn't mean your insurance will go down. When there are as many natural disasters and resulting claims as we have seen in the states, rates get hiked everywhere.
One thing you may look at is if you have agreed upon value policy, see if that amount is realistic for your boat. My policy until recently had the same agreed upon value as what I paid for it a decade ago. By lowering that value to a realistic number, I was able to reduce the premiums.
I have priced other companies but either their rates are higher or they do not offer the same options making it really hard to compare policies.
FYI, I had a claim after Sandy and the response from Progressive was top notch. That said, I have Geico for my auto insurance and their claim service has been top rate also.
The last few times I priced Boat US, the premiums were much higher than I was paying. Recently I saw something about them lowering rates but I haven't done a comparison
