I called our auto insurance company to see about taking my husband off the policy to lower our rates. He is unable to drive at this point and it was his idea to remove him from the insurance. I was told that taking him off would actually increase our rates by a fair amount, since I'd lose the marriage discount.
What kind of company would reward leaving a dangerously ill and infirm driver on their policy instead of taking him off?
insurance rates are pretty comparable here with the exception of AAA, they are the most expensive! We have Geico car insurance. Which will probably be going UP since I just had an at fault accident. Geico was the cheapest we found. I have no complaints, they’ve been good to us but I do think $2700 a year for 1 full coverage vehicle and 2 18 year old cars with liability is A LOT. I shouldn’t complain though because they are giving us $25k for the car I totalled! I was expecting $15k max. Blue book value is $17k.
Which leads me to ask: how are the premiums arrived at in the US? Do you have things like no claims bonuses, limited mileage policies, variable excesses and so on?
Also: the law is being tightened up in the UK and the EU, but for the time being at least female drivers are usually cheaper to insure than their male contemporaries (don't blame feminists! - it's actuaries who do the sums); so while you're shopping around I should have a look at insurers who seem to focus on female customers.
As to the kind of company that would offer a discount for retaining a policy holder who is dangerously ill and infirm: if your husband's illness and infirmity impact on his driving (theoretically), have you specifically made the insurance company aware of his health conditions? If not, even if only because they've given you no opportunity to do so, I should check your policy extremely carefully and make sure there isn't any weaselly small print about non-disclosure.
While husband was in the snf, I told the agent he could no longer drive, but the agent did not remove him from the policy. Maybe this was part of the reason. I guess if the rates increase enough, it's an incentive to shop around.
I hope you have a good outcome when all is said and done.