What Can I do to get out of early termination fees on my Cell Phone?

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I have a cell phone with a Iowa based Co. I am ending the contract early because they are constantly trying to charge me with fees that are not mine. The customer service people also cannot follow simple instructions. When you catch them in an error they do everything in their power to make it your fault. This compamy has customer service people that have no idea what they are doing. I purchased a new phone for about $180.00. I was very specific that the phone was to have insurance. I didn't check the next bill when I paid it to make sure they provided the services promised. (My own fault to expect what was sold to me)Six weeks later when the phone got wet and wouldn't work properly, they said I did not buy the insurance. I have also changed my plan with them to have more minutes etc(less expensive plan). They neglected to do that and tried to charge me $175.00 in charges that were not mine. It took three calls and a lot of being on terminal hold and constant diligence to get a credit for that. I am fed up with this company. I have used them for about 8 years with little or no difficulty. I am ending my contract about 6 months early and they are charging me another $120.00 for early termination and another $66.00 fee for something else they are trying to justify. I have been a good customer for many years and this is the way you are treated. I am looking for some help. Is it legal to charge those early termination fees. Is there a reason other than my own death to get out of them.