High amount quoted on car insurance

I am very disappointed with Santam, i have given them 12 years of service and yet no compassion or service is shown. I am busy purchasing a new vehicle and received a quote. It is more than double the amount i am paying currently and there is not much of a price difference between the 2 vehicles. I do understand the risk loss ratio process, i also understand that if an accident is not your fault why do Santam say that it does not affect you because it does. I have a few of my claims, none of which was my fault. All of them is where a vehicle hit into me. 1 has already been recovered, the next , legal says that it is going to cost them more to recover the money so surprise surprise ("my problem") and it affects the ratio, the last 1 in 2020 is on the road to recovery, 1 year and still nothing. After i raised this, the attorney called me yesterday, stating that "the recovery for the repairs is done" which amounts to 98k which is good so what they are waiting for is the amounts for the "car hire and towing" in which a summons has already been sent, so that is what is affecting me. They even put an excess saying that it will be removed once the recoveries are done, which is never going to happen. The consultant providing the quote to my broker is not even looking at the notes or listening to what we have to say. I have no words for you and i am definitely thinking about moving all of it to another insurance company. Can i ask someone to give me a call...it feels like no one is listening.