Progressive Northern Insurance Co. SUXS ripoff Mayfield Village Ohio

They raised my insurance rate based on these three reasons:
(1) earliest reported account or loan opened after age 35
(2) 1 credit inquiry in the past 24 months
(3) Most recent reported car loan or lease opened 1 to 4 years ago.

(1) Is a lie and I have got that straightened out and knocked $30.00 off my premium.
(2) My bank did a credit check when I got a loan for a new central heat and air unit for my house. My credit score was over 800 but the insurance company said a credit inquiry is a sign I might file a claim. I have never heard such lies before. I wish I could punch the bitch in the face but she was on the other end of the phone.
(3) I still dont know what this means. Does it mean I dont get a new car often enough and they can raise my rates? The bitch never did explain this to me.
Im supposed to just pay the increase and shut up. Consumers have no recourse and they know it. Anybody know a good motorcycle insurance company?

John
Ripley, Oklahoma
U.S.A.