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My wife is disabled and cannot drive but my insurance agent told me it is cheaper to keep her on the policy than to take her off. Why is this? I will be the only driver in my vehicles.

Your wife probably lowers your overall car insurance bill because she’s seen – for whatever reason – as a better “risk” by the insurer. If you’re the only driver on the policy you’ll up the cost as a “riskier” driver.

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It’s nice that the agent is willing to do that for you, although I don’t know if the insurer would be too happy about it.

 

Last updated: Apr. 14, 2013
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