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I know you have to have insurance, but is there anything I can do about the spiraling costs?

First of all, congratulations on being aware of the spiraling costs! Most people have their insurance payments automatically deducted and don’t even realize that they all increase over time. Doesn’t make sense, does it? Loyal insurance customers generally pay more! I recommend working with an independent agent who represents multiple companies and analyzes all your insurance needs/payments annually. It is likely that you will switch companies over the years with this situation, but have stability by keeping the same agent. It really works. This way you are always paying the lowest premiums for insurance with the highest service and have an agent who is working for your benefit rather than the insurance company’s.