The lady I spoke to about my car premium re the value decreasing monthly but that the premium increases annually

The lady I spoke to about my car premium re the value decreasing monthly but that the premium increases annually. Her explanation for that really made sense but she still offered me a free warranty, furthermore she decreased my premiums for house contents and the building, equating to a saving of more than R130 per month. Being an 81yr old pensioner it is a great saving and I'm very happy to have Outsurance as my preferred short term insurer. Thank you!