Based on your travel, you insurance price
will change drastically as you move across the Atlantic.
In the Caribbean Sea, rates will be much higher, unless you promise to be out of the hurricane
zone during the season, which usually means going above 30.5 N or around the Georgia/Florida border or going south to at least Panama
Once you cross the Canal
, prices will go down again, until you cross the Pacific. Then they might increase once you in the South Pacific
With all of this said I would strongly suggest you find a good Insurance Broker and have them shop you insurance as you travel.
Also remember that the cheapest policy in not always the best. The best recommendations will come from fellow cruisers that have had to file claims with their insurance companies.
From our experience, we have heard horror stories of cruisers who went with the cheap
bid, only to find out when they filed a claim the company wouldn't pay or took to long to pay.