unbereable premiums

I have been a loyal client since February 2013 for my car insurance with only 3 incidents 1. Smash and grab 2. was knocked by a overtaking vehicle 3. I reversed into a street pole, to my profile with the vehicle insured, In all these years I have been a loyal customer I feel I am still paying too much on my premium but every time I call the call center to see if they cannot do a premium adjustment it is always not done I am told different stories the latest stories being I need to re-look at my car hire to get my premium lower, the whole point of me getting a car was for convenience of getting around and I would not want to be out of a car because it would not be easy to commute to work and back, hence I have that, another story was my car value is still high how is my car value still so high if it is only left with 17 months to be paid off, I stand under correction that cars depreciate every month unlike property but funny enough my cars value is very high still today after 4 years driving it and after 4 incidents, I am highly disappointed in my way and at the rate everything is going I am going to be forced to look at another insurer as I am not getting any joy out of all this.

hope this finds you well!