car insurance recommendations and coverage?

[kitchenreno]

backstory - DH died unexpectedly last year.  He always handled the car insurance.  At first I just continued coverage with our existing company (Progressive) but they've now raised my rate significantly b/c I'm "single" (NOT REALLY, but thanks for making me feel like shit).  Single people have higher rates than married.  

We have 3 cars, but now I only need 1.  I plan to sell 2 at some point.  For now, they're rarely, if ever, driven.

My existing Progressive quote is based on full coverage for 3 cars.  I got a new Geico quote, adjusted for 1 full coverage, 2 limited coverage based on my explaining to the Geico agent my usage.  I plan to get a new quote from Progressive too, but I don't even know what I should have on those 2 cars.  

Anyone familiar with car insurance and care to weigh in on what type of coverage you'd recommend for my 1 car driven all the time vs. 2 cars rarely (almost never) driven?  Does it make more sense for me to adjust coverage only after I sell those 2 cars?

I don't want to be stupid about this, but my brain can't handle extensive research right now.


ETA - the 2 cars I don't drive are paid off. I have a loan on the car I do drive.

[Cappy]

I'm so sorry about your loss and your rate hike. If the other 2 cars are stored in a garage and/or not driven you can ask about storage insurance which is significantly less. I always did this when living overseas and it saved quite a bit. I'd check the Geico quote to see if that's what they quoted you or if they just dropped down the levels of coverage.

If the emotional labor of all this seems like too much I suggest getting an insurance broker who can do the legwork for you (no cost). Then they just lay out all the comparisons and you pick.

[njohnson1972]

Can you just keep full coverage on your primary vehicle and just have whatever the state minimum is on the other 2 vehicles?

[twilightmv]

If they are paid off and never driven, you can remove the plates and move to comp only with most companies. For the car you drive, it depends on your assets. I'd recommend a BI limit of at least 100/300, but if you have assets (a home) I recommend 250/500 and a $1M umbrella policy.  

[k3am]

I'd get in touch with an independent agent, lay out your concerns, and let them do the leg work for you.

And like twilightmv suggested, make sure your coverage limits are appropriate. DH managed our insurance policy on our cars and renters insurance, and once we bought a house he "updated" the policies. I eventually worked with a broker and realized that he had never updated the dollar amount of the coverage.. what we had was probably okay when we were 25, but we were grossly under insured by the time I looked at it. Thankfully we never needed to use it. And the fun part? We ended up with more than 10x the coverage and the increase to our premium was minimal.