Perfect timing to talk about insurance policies. In my situation, policy renewal is coming in September. I got renewal bill and to my surprise, rates went up 46% so instead of $298, Progressive wants $438 now. Same bike, same coverages, I had no claims, accidents, tickets or anything and been with them for over 10 years and always paid premium in full. So I called them and asked why, lady in the Progressive credit division told me that insurance companies do credit check every so often and my rating went from A to C. So I checked FICO right after to find out that my score is well over 800 which is excellent. Needlessly to say, when times comes, I'll be shopping around, no way I'm paying Progressive 46% increase.