Overpriced cover, compare to other insurers first before taking

I have medical aid, building and car insurance with Discovery but i am paying double for car insurance than what others are offering with the exact same terms, i emailed and they said there is nothing they can do but how can every company give me a lesser quote yet Discovery will not relook my car insurance. Building insurance increases every few months when KZN have floods. I must pay for other peoples flood damages even if i have no claims.

I am looking for new insurance but i just wanted to remain with Discovery because i have been with them for so long. This is just sad that they are so unwilling to reconsider or admit they made a mistake.