MiWay Insurance ignores client after putting me on hold for 10 min and overcharging on paid-off car

I am deeply disappointed with the appalling level of service and total lack of response from MiWay Insurance. Recently, MiWay called me, only to transfer me to another line where I was left on hold for 10 minutes. When someone finally answered, I was told there was no one available to assist me. Calling a customer just to place them on an extended hold and abandon the query shows complete disrespect for my time. To make matters worse, my vehicle has been fully paid off and is no longer financed, yet MiWay is still charging me monthly premiums for credit shortfall / debt insurance. On top of that, I have not submitted a single claim in 5 to 6 years, yet my monthly premium remains excessively high with zero recognition for my loyalty or risk-free record. I submitted a formal complaint directly to MiWay regarding these issues, but my correspondence is being completely ignored. I demand that MiWay: Contact me urgently to address this complaint. Immediately cancel the credit shortfall / debt insurance on my paid-off vehicle. Refund all premiums charged for debt insurance since my vehicle was settled. Perform an immediate rate review to lower my monthly premium to reflect my claim-free record.