My Wife Just Passed Away. How Does This Affect My Insurance Rates?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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If you own more than one car, the auto insurance rates on the extra car could go down. You would continue to have the multi car discount; an extra car is often rated as a car that gets used less, and the rates will reflect the reduced rate. Also, if you are younger than your wife you could benefit from the rates that are based solely on your age and driving experience. This might also be a good time to review all of your insurance policies and make sure you have the proper insurance on each car, without being excessive. Make sure you are not carrying collision coverage on a car that is 10 or more years old, as this is usually a waste of money. If the car has a lower value, it may be time to self insure the car for damages. The premium savings may well be worth the gamble.

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