Databases don't really get "full" - instead they get to a point where you need to upgrade the database (e.g., if you're reaching the 2GB limit of Access, maybe consider moving the SQL Express, which gives you 10GB for free). 2GB is a lot of data: what information are you storing? Binary data at all that could be moved to a separate storage medium (such as a filesystem, with a link to the file in the db instead of the file itself)?
The idea is that you should not have to segregate your data like this: there should be no reason not to keep in all in the same database. There really is no easy way to do it anyway: in fact it's usually kind of a mess to try (if you have any related records that span different years: an order placed in December with a return item in Jan?). Or if you need to calculate a lifetime value of a customer quickly and easily? Very difficult to do with yearly archives.
So, the goal is not to split/archive your data, but make sure that you can keep it all together.
Regarding data loss, you do of course have a tested backup plan in place, right? I couldn't imagine losing a year of data: most of my clients are set up with DR plans to lose no more than one hours' worth.