Warning: Progressive Insurance Scam

Not being able to check your credit for them is the same as having bad credit. Since they cannot tell good or bad, their computer automatically assumes bad, because it has to assume something in order to compute the formula for your rates.

(not Progressive) but another insurance company tried a similar trick with us on cars, at which point we said "okidoke, nice knowing you, cancel the contract" and they back peddled a good bit. We had 6 cars on the policy, all with perfect driving records / no claims in 5+ years.

Norseman-
What size boat are we talking about here? I didn't think progressive underwrote anything more than a typical ski boat or something. Unless were talking about that? But I may be entirely wrong and unaware.

It seems a lot of the auto insurance companies are offering good insurance rates, then once you become a customer the next renewal 6 months later is higher, and the next one is even higher.......I was with esurance for 10 years, great rates. I have a 100% clean driving record, a fico of 801, no losses. Then all of a sudden my next renewal was over 30% higher. I switched to Allstate after 10 years........was a very low quote for 100/300 low deductable full coverage.......next renewal went up close to 10%........

Sometimes insurers want to get out of a certain industry in a certain state, or just want to lower their exposure there and just really increase rates hoping to limit customers......

I heard that if you don't use your credit cards, or payoff the car, the mortgage, your credit score will go down. Your insurance rates and god knows what else will be affected. And once you lose it......go ahead live under the bridge. This even affects the FPL bill, cable and phone. So just because you have a credit card you must use it instead of the debit card all the time.

Norseman,
Contact the Florida Office of Insurance Regulation and file a complaint (floir dot com).

Correct. You're a "deadbeat" aka someone they can't make money on. And yes, your electric, phone,cable, water, insurance and every other company you sign up with may well require a deposit or give you a less favored rate.
When I was in the credit business we used scores, but were taught to look for ways to make the loan. That however requires thinking. Today it's all formulas so that thinking isn't needed or even permitted. The score is everything.

It is difficult sometime, but you are absolutely right.
Be polite, wait a least 24 hours after you receive the bad news before calling, and be very patient and on track and not personal.
Business is just money. Don't get tense about.
I use my wife as ambassador to deal on my behalf when I disagree with a company. It works every time

There are people (friends, family, business associates, etc.) and then there are customer service clerks (who know only what's on their screen and don't have the authority to do anything about it) and insurance companies (who couldn't give a good G.D. about you or anybody else). The 2nd and 3rd groups aren't worth blowing up about and it's counter-productive anyway. Dig in calmly until you get your answers so you know you don't have a problem and then just move your business to a company who wants your business (this year).