Insurance premium & Increasing access without my permission

I'm a client of Miway and on the 13th June 2018 I called asking them if there was a way to decrease my premium since I felt I'm paying a little bit too much for a ford figo. The reason why I did that was that I've received offers from other insurance companies with lower premiums but I didn't like the thought of changing company's since I'm used to this one. I updated my address since I moved to a more secured complex where I actually have a lockable garage to park my car. To my surprise the guy told me my premium have actually increased to eight hundred and something amount due to being in a risky area, I mean I'm still in the same area just one street away from the old apartment. He then came back and said they have adjusted the premium to R769, this is exactly what I,m paying and trying to lower.

Is this some kind of a trick you guys use to recalculate to a high amount and come back saying you have negotiated for premiums not to increase? This is disappointing. Okay, another surprise I then received my insurance schedule documents on checking then I noticed my access has now increased with a R1000.00 without my permission. Who gave you permission to increase my access?As much as I hate starting a new relationship with a new company, I will not allow myself to be exploited by you people. I mean If your competitors can offer me R535.00 monthly premium with access way lessor than what you guys are charging and the very same benefits, why would I stay?