I’m wondering if an insurance policy in Baltimore, Maryland is written with two adult names and one of them dies, is the premium lowered?

Frances

Baltimore, MD

Good question Frances. If there are two adults on an insurance policy and one of them is taken off of the policy (for many reasons, such as death), then the rate can be affected. It may possibly be lowered, it depends upon the rating system and if the insurance policy premiums were higher at all due to the second adult driver being on the insurance policy.

Contact your insurance agent in Baltimore, MD since insurance guidelines and rating systems differ, to find out how your specific insurance companies rating system works and how your rates would be affected in this type of situation. If your rates would not be lowered you can compare by shopping online if you have internet access, for better car insurance rates. The only rating factor difference that some rating systems may see for is a widow versus single, but typically a widow rating variable would cost less than a single rating variable.