Outsurane is unaffordable

I have been a loyal client of Outsurance for many years, my insurance are now being increased from R1720 to R2098. The biggest increase is for a vehicle that I bought brand new in 2023. When covering this vehicle, I was quoted R938 and now Outsurance are increasing this vehicle's premium to R1265 (after discounts). The explanation is that the value is high, my concern is that when I bought it the value was much higher, so why would it now be more to cover it? I had an accident last year which was not my fault but the lawyers of OUtsurance did not do much to get the taxi driver to pay now I am being punished for an accident that was not my fault. I feel that they lured me to OUTsurance by giving me a low premium and now they want to increase it to make up for it.