Ridiculously Expensive premiums

Ridiculously expensive. I recently noticed just how much discovery insure is charging for my car after their 10% increases year after year. 2019 Subaru Forester and never had a claim. They are charging me almost 4 times as much as outsturance would. Yes I get the additional ****** vehicle recovery included but I can easily get that additional elsewhere. I contacted Discovery to find out if they would try lower their premium or match outsurance in any way and they say "Sorry the system does not allow me to add any discount". I have been a loyal Discovery Insure member for many many many years now but there is no way I can justify that price for insuring my vehicle. I could be saying R1500 a month elsewhere.