What's the consensus on insurance?

It seems nothing can be done to win against insurance rates. They claim more accidents have begun to happen and use that as a reason to increase my rates by around ,20% and I have supposedly one of the cheaper providers around. ,(,Wawa) who here can offer advice. I am financing and almost done with my payments. Will pay off and switch to only liability when done. Will tentatively payv705$ for 6 months upcoming july2 if I don't change out. What's another provider you trust and know is good?