Bob; FWIW- Don't meet most of your criteria but - Just got renewals for policy's effective 1 July..
Class A MH, Northwest Florida, USAA renewal showed basically no change since last year. (MH up $7, cars down $20 & $8).
However my motorcycle insurance with another company went up 40% for full year policy. Basically "We re-evaluated our expenses due to a recent increase in claims in your area". Not GMAC but seems to share the excuse....
I guess that it's just if they want to they can.
Hooligan, Pensacola, Fl -U.S. Coast Guard 1956-1985
2016 Thor Siesta Sprinter 24ST diesel
Our Pug "Lily" & "George" the Newfoundland