AandG perform OK but do not give long time customers enough decency to treat them as long time customers

AandG perform OK but do not give long time customers enough decency to treat them as long time customers. For example: Every year I get a revised Premium with at least a 20percent increase with no notice taken taken of my claims history with them. Every year I have to phone up their call center and negotiate a new premium that usually is either lower than my current premium or at a reasonable percentage increase, Why can they not evaluate my annual premium correctly the first time and give us realistic increases instead of leaving it up to what appears to be a computer with no customer history - incredibly annoying and impersonal!