It's not hard to buy. I just don't buy it. And if one uses the same excuse year after year, it gets old. This time is different? Okay, you can accept that if you like. I will go get new quotes.

I get it, costs go up every year. I expect to pay an incremental cost increase every year. But not 26% as OP indicated.

Edit to add: And if it is industry wide why did my insurance go down $4 last month while OP's went up? No change on my end except everything is a year older so it kind of makes sense it goes down a bit.