Find a decent insurance broker and get a bunch of quotes from them. I'm sure someone on the board is either a broker or could recommend someone who does good work.
The broker can provide you with quotes from a bunch of different companies with all sorts of options for coverage. Pick one you like or take that quote back to your current insurance company and ask if they can beat it.
I went through a similar hassle earlier this year when my professional organization changed insurance providers. The old provider changed their tune and did all they could to beat the new provider's quote to keep my business.
I don't pretend to know how the insurance industry works but the agent I dealt with gave me one quote and then, when presented with a lower quote from a competitor, went away to discuss it with her supervisor before coming back with a new competitive quote. There must be some discretion built in there somewhere.
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