OP, your rates seem a bit much to me as well. It’s entirely possible that your rates have gone up simply because your company decided they wanted to make more money off you than they have been. You should start looking at cheap auto insurance quotes from other reputable providers. I’d say go for...
Vegas is a place where there’s lots of money to be made and fun to have provided you don’t have an addictive personality. If you do then Vegas will clean you out.