Been a Miway customer for 3 years now

Been a Miway customer for 3 years now. Each year my premium increases, and only time it gets reduced is when I phone to ask for a reduction. Been claims free in terms of major accidents, theft etc since taking out insurance 6 years ago. I have my drivers license 11 years with no bad records, and I am over the age of 25. Ridiculously high vehicle excess which I am not happy about. Yes, I understand increases but not to a point where it becomes unaffordable and unrealistic especially for a vehicle that depreciates. Agent was fine to deal with. No issues with her. Miway however needs to seriously look at how they come up with these crazy premiums and excesses. Thanks.