Ask your agent to have your current company re-rate you. Sometimes rates go up because of inflation or elevated risk. But they always drift up over time. If you stay with the same company a long time, you'll pay a loyalty tax. But, if you get them to re-rate you, you can often bring the rate down quite a bit.
My home/auto rates went way up a couple of months ago. My agent asked for a re-rate and the rate went back down to just above what it was last year. It was basically just an adjustment for inflation and probably not even enough to cover inflation.