Progressive / royalty truck insurance,ca Progressive and royalty truck insurance I was swindled by Progressive insurance and their agent Royalty truck insurance van nuys, California

I recently purchased an insurance policy through Royalty Truck Insurance (RTI). My policy premium down payment was $1,965.00 of which I paid $1,563.00 on January 24, 2012 with a remaining balance of $402.00 to be paid within 15 days. On February 9, 2012, RTI withdrew $200.00 from my bank account and on February 13, 2012, they withdrew the remaining $202.00.

On February 27, 2012, I cancelled this policy. On February 28, 2012, $482.90 was withdrawn from my bank account by Progressive Insurance; however the initial agreed upon monthly payment with RTI was $422.00. After canceling this policy, I received a refund on March 12, 2012 in the amount of $323.93.  
 
I am writing this  to inquire as to why I have only received a refund of $323.93, when I paid out $2,447.90 in total after only having this policy for one month; as well to inquire when will I receive the remaining balance owed to me. They told me that the remaining balance of $1701.99 was not refundable.  Can somebody help me !!!!!!