My mother's car doesn't have any USB ports either. I guess I'm a bit confused what you mean by "not a USB splitter, a cig lighter splitter."

Most splitters come with multiple cig lighters plus USB ports. For example, this one. Also, most bluetooth dongles also come with extra USB ports, like this one. In fact, you can buy a bluetooth fm transmitters that has both extra cig lighters and USB ports.

So you could (for less than $20 or $40 combine) get the ability to listen to music/podcast/youtube via bluetooth while still being to charge your phone or anything else. A simple aux cable is definitely easier but not having one is not limiting in this case.