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 The Hartford; they’ve kept my rates reasonable and given me great discounts for the past decade. Also, I’ve made a couple of claims and they’ve handled them really well.