Under the insurance laws of all states in this country, an insurance carrier cannot automatically renew a customer's insurance policy at an increased rate without written authority to do so by the client dated and signed. Additionally, unless the client gave written authority to allow the withdrawal of money from his or her bank account to the insurance carrier the carrier cannot do so unilaterally.Your options to contest what happended is to speak personally with a representative of your insurance carrier about the situation and follow up with a written letter memorializing the conversation. If you do not get the result you desire in a reasonable amount of time, your recourse is to consult with an attorney who practices in the area of insurance law about your options and/or make a complaint with your state's department of insurance against this particular insurance carrier and its representative.