Will My Car Insurance Go Down When I Have A Baby? 
This really specific to the company and the state where you live . My company gives a discount to an insured that has no dependents . So , in this case , your car insurance would go up slightly -LRB- it 's not a very big credit -RRB- . Insurance companies are statistics machines , calculating the likelihood of just about anything and converting that into a cost or a surplus . In our particular case , people with no dependents cost less for the insurance company than people with dependents . That 's it , cold , hard statistics . Your company may be different . Find an agent you can trust and ask questions . If they 're a good agent , they 'll be happy to spend the time with you to explain how your coverage works . 