Travel insurance is available for single trips, annual cover (ideal for frequent travellers), backpackers, ski and snowboard holidays, business travel and even for over 65s. If you are planning on doing extreme sports on holiday you will probably need extra cover.
Get more than one quote if possible! Prices do vary, so shop around.
Ask your friends! Find out who they recommend and who they don't!
Compare quotes with your current policy - make sure you're getting a better deal.
Use the same insurer - you may get discounts if you already have a policy with them.
Increase your excess. A higher excess will mean lower premiums.
Pay for the cover that you need.