Short answer: Compare quotes every one to two years at minimum, and any time life changes — a move, a marriage, a new car, a teen driver, or a rate hike. Carriers reprice risk constantly, so the best deal for you rarely stays the best for long.
Life event
Shop?
Why
Moved
Yes
location resets the rate
Married
Yes
often lowers premiums
New / teen driver
Yes
big rate change either way
Nothing changed
Every 1–2 yrs
beat quiet rate creep
The reason once-a-year beats set-and-forget is that insurers adjust their models all the time. A carrier that wanted your business last year may quietly raise you this year, while a competitor that was expensive is now cheapest. You only catch that by checking.
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Life events are the highest-value moments to shop because they change your risk profile — sometimes in your favor. Getting married, moving to a lower-risk area, or adding a car are all worth a fresh set of quotes rather than assuming your current carrier updated the price fairly.