I called and the only explanation I can get is the rates in your area went up.
It's called the theory of "We got you by the Ying-Yang" or "They Got Their Back Turned, So Let's Fleece Them"
If you really hound them, they will tell you their "reinsurance rates" went up....this is double talk for, we take all the money you give us and pass the insurance liability to a third party via a premium. That is one reason (of many) insurance is a big ripoff. Yep, just go get the deal of the day, insurance is not going to pay off anyway.