Farm Bureau Insurance Review

Farm Bureau Insurance raised my insurance premium based on a bad credit score.  I own no credit cards, have no loans and don't want nor need any.  I just bought a 2009 truck cash, and a $120,000 home cash.  I insured both with Farm Bureau Insurance for which I paid the terms in cash for both ahead and up front.  I just got hit with an auto insurance rate increase based on my "Credit Score".  I'll admit, I don't have a very good credit score due to being burned by hostile credit contracts in the past.  That is why i don't use nor need credit now.  I have no interest in ever signing a hostile to the consumer credit contract ever again in my life.  The fact that I have not had an accident in almost 15 years of driving never was considered.  Must I take out loans now and pay them back just to improve my credit score?  Do they not know that every credit card company in America has hit my credit file with an inquiry in order to send me a credit application?  Each hit like that reduces your credit score too.  And so does it reduce your score when insurance companies do an inquiry.  My driving record with the DMV had no bearing on this rate increase.  The basis on a university study linking credit scores with future claims probabilities is inaccurate and I am living proof of that.  I also want to draw your attention to the "future claims probabilities" vs "driving history" aspect of their rationale.  Their policy of checking credit scores is discriminatory.