Losing a spouse is never easy, either emotionally or financially, and a new study finds that many major auto insurance companies are adding to the grief by raising rates for new widows by as much as 226 percent. In general, auto insurers levy penalties, in the form of higher premiums, on those who aren’t married, according to new research by the Consumer Federation of America. The higher rates are not backed up by data showing increased risk, the consumer group claimed.