Ridiculous premium increase

I am experiencing a bit of a problem with the high premium that discovery insure is charging . A bit if history: I am a first time car owner brand new and they are my first insurer. On the day I received my car I was unfortunately involved in a car accident. I paid 2 times my excess because two vehicles hit me one from the back one on the side none of which wasn't my fault. They assisted me it was fine but I paid excess twice as if I was involved in two accidents. A year later they increased my premium from 1600 to 1900 when I enquire they tell me I have received a discount they cant bring it down . My question is since the value of the car decreases what will my premium be next year since they ridiculously increase premiums. I asked for a decrease but no one is doing anything. No one is helping me instead I get shifted from one consultant to another . Or maybe I am missing something