As is often the case with matters like this, it depends upon the language in the insurance binder and policy. From policies I have seen, they are written in such a way that the insurance company can adjust the premium after the policy is placed, and bill for the difference. Unless you can prove that it was "bait & switch," you may have contractually agreed to their doing exactly what they did. As for the additional $69, I wouldn't let that ruin your credit. Pay it under protest (after demanding proof and an explanation for why it is owed) and then pursue them in Small Claims Court if the charge is not appropriate. For a reliable opinion on this matter, you need to have an attorney who is versed with insurance law review the policy and binder.

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I would complain in writing to the Insurance Commissioner. Many attorneys have stories to tell about the insurance company you mentioned.