The state and federal government could help us out regarding the high price of insurance.
If one suffers a financial loss in a calendar year, the government allows one to claim that loss on one's taxes. But if we buy insurance to protect against a loss, we cannot deduct the cost of the insurance from our taxes.
Therefore, it would seem reasonable to be able to deduct the cost of auto and home insurance from our taxes.
This would not make up for the rising price of insurance, but it definitely would help.