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Should I change my major to IDE or should I stick with civil?
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Stick with civil. Switching to IDE is a huge gamble, because by itself it has little to no value, whereas a civil engineer can have a lucrative and rewarding career if law/actuarial/grad school doesn't pan out.
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Also, what else can I do to better prepare myself?
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You clearly need to investigate these fields in more depth - I would try to avoid taking classes in them until you have at least narrowed the field down to one or two, lest you bog down your education. You might want to try my old boss's route - he arranged his own unpaid internships. Find a local law firm, and ask if they will accept your unpaid part-time work for a month in return for your learning experience. Repeat with the other fields.
Regardless, focus on GPA - it is important to all paths. Math and physics grad programs will look for research, law schools are looking for similar things as undergraduate programs (GPA, EC's, etc), and actuarial programs are looking for ... I have no idea whatsoever.
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Should I only take one or two of those? Or are all of them necessary?
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Well, these are all junior/senior year decisions, and by that point you should really have this down to one or two of them - if you are still swinging for all three, then you are probably too divided to succeed at any of them.
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Do you think a job will help on my application?
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Yes, if it is significant, has some depth to it, and results in one person of distinction willing to write a glowing letter of recommendation for you. The problem is that you are probably not realistically doing this in two different areas during undergrad.
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How likely am I go get into one of these schools?
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Who knows? Which schools, what GPA, what test scores, what extras, etc? Based on your statements so far, I can no more chance you than I could give odds on your winning one of the major racing championships knowing only that you have a car or truck.