[Patricia]

I’m 74 and a new widow. I have been involved in two car accidents in the past 40 years. Neither were my fault. Credit is ok.

I took my hubby off my USAA and it went up $600.00. I checked Progressive and its only 300$ less for once driver., I have a car financed.

Its a Kia.

Over $200 a month if monthly. Why and any ideas on less?

[Mary]

Do you have homeowners’ insurance you can bundle with the car insurance? This helps save.

[Sandi]

Call The Hartford. I’m a new widow too & they lowered my rate by $900 for 6 months. I left Progressive for them.

And that’s with full coverage on my vehicle.

[Shirley]

Sorry about the loss of you husband. My son and I have each other on our policies for the multiple driver discount.

Can you put one of your kids on your policy?

[Louise]

I went on AARP’s Hartford insurance, took the option to let them monitor my driving and I’m paying less than $70 a month.

[Debbie]

Same thing happened to my dad when my mom died! I think insurance companies expect widows/widowers to get out more; driving and such.
Dang.

Lesson learned.

I’ll definitely keep mum about marital status if mine changes (divorce, etc).

[Lakesha]

I’m 40, recently widowed and with an 18yo driver and 2 cars, 1 full and 1 liability.

I was just quoted almost double my current premium with my deceased husband still on the policy, from $500+ to $900+ per month.

That’s ridiculous when one of the cars kbb is $2000.

Currently with AAA, but Idk for how long, they’ll probably drop me soon.

[Sherie]

Was with USAA for around 30 years the price kept rising. It is crazy to charge more for one person, but they do.

I switched pay less than half with Progressive

[Samantha]

So sorry for your loss. Yes, multi person/car discount for the insurance.

They wanted 235 for just me when I got a new car but when my boyfriend added me it went down to like 135 for my car.

I’m unfortunately these days they get you when it’s just one person.

[Jill]

It’s because they count that as multiple drivers and give a discount for that. Sorry for your loss, I ran into the same thing when my husband passed.

Check several other companies and see what they can offer.

I left Liberty and went with AAA and then moved to Progressive.

[Becky]

Well dang that’s why when I thought the insurance would go down and it didn’t after hubs went to non driver id.

I never considered that as a reason.

[Lori]

Do you have a company that is in your state but not national?

I changed from safeco to a small instate company and rates were much better.

[Debbie]

“Single” unmarried drivers pay a higher premium. Mine went up when my husband passed away too. Unfair but it is their policy. . .

I am sorry for your loss.

[Richar]

New agent here, also own a Kia. The Kia has a high theft rate, you won’t get away from that unfortunately. However, I would recommend finding a trusted agent who writes for multiple companies.

They can do all the shopping around for you, within those companies.

They can also help you play with those numbers a bit, make your deductible higher to drop your premium etc.

You can normally get a pretty good discount by bundling your home and auto together (or renters insurance)

[Vikki]

Sorry for your loss.
I’m financing a kia. I switched from All State to geico. Have 3 cars; 2012 charger, 95 T100, and a 2019 kia. Total $284.

Full coverage for kia & liability for the other 2 (2 well seasoned drivers & a 20 yr old). Was paying close to $600 before I switched.

Was with all state for 10+ yrs & cost more than doubled in the last yr.

2 claims while with them (neither totalled & not too excessive damage).

[Koehnlein]

You are now a widowed driver vs a married driver. It’s BS but it typically means there are more

Accidents in that category. I had the same thing happen.

[Lori]

Same thing happened to me was on Progressive also they wanted to raise mine too.

I went to The Hartford through AARP I just need basic coverage so I only pay 600.00 a year

[Annmarie]

So sorry for your loss. I lost mine 2yrs ago. Unfortunately having car ins as a single person cost more they married. Supposedly it’s a higher risk(Stupid)

They also use you’re credit score to figure out how much to charge you too.

What does your credit score got to do with how you drive I don’t know.

5yrs ago I move from MA to RI but only 2.5miles away. My car ins nearly doubled.

[Author]

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