I have had a similar experience. I've been a member for over 20 years, no accidents, etc. Recently, both my auto and home insurance premiums went up substantially. Odd thing, my mother's premiums went down. Both of us live in California, so it's hard to buy the story that California expenses are driving this. What really ticks me off is that I received NO PRIOR NOTIFICATION - just a bill in the mail. I'm pretty disgusted, and am looking for another insurance carrier.