Information gathering nightmare

Ok so for months I have been trying to amend my policy, as my car is paid up. Everytime without fail, I walk away with nothing changed, I think the call centre agaents are trained to try and convince you to stay on the highest package possible. I contacted them via the website cause I wanted to know what the difference between comprehensive and essential insurance is. I did not get an answer. I told the consultant my car isnt worth their retail or market value, as I would even be able to sell it for R20000. He told me that if I was in an accident that Outsurance will pay out the retail value whether or not my car's value is that or not? Was I supposed to interpret this that I should deliberately go and smash up my car so that OUtsurance can pay me an exorbitant amount of money? And then people ask why people commit insurance *****. All I want is for my premium to become lower and affordable, that they will pay a third party and pay for minor fixing on my car if it is in an accident, man a ****** cash amount will do. But its like extracting teeth at the dentist without lidocaine. I am telling you now, I am just waiting dor my outbonus in July, then I am cancelling and going shopping around. I in anycase dont have access fee money of R4600 laying around to pay.