The principle in Spain (and the UK it seems) is that it goes up every year, regardless of whether risk * potential payout has gone down, which should be the underlying metric.

Driver with one more year of experience, closer to their actuarial sweetspot beyond which 'experience < macular degeneration', driving a car for which they will pay out less in the event of a write-off.

The premium must mathematically go down. But it doesn't.

The only to get that is to switch company, so they dedicate all their efforts to poaching customers off one another, and none to satisfying the needs of their current insureds.