Does Having A Baby Change Auto Insurance? 
It does n't but I guess it really should . Babies are more of a driving distraction than cell phones . Those little muchhkins have all the noise distractions of a loud car radio combined with the visual distractions similar to texting while driving . Plus they can assult your sense of smell and even throw unsavory things at the driver . If things were truely fair , babies would raise your insurance rates ... but they do n't . IF you have the correct car seats and always use them , you should never have a rate up for having a baby . Better off ... leave them home with dad or grandma and keep your eyes on the road . 