Typically having a baby is not an event or factor that would affect your insurance premiums. It is not a standard item that affects your rate with most insurance providers.
Some insurance companies however may give discounts or a reduction in rates based on lifestyle events that they believe signal greater maturity, such as getting married and having a baby.
Not all insurance companies will reduce your rates if you have had a baby. If you have a baby that you transport in your vehicle now or are expecting one soon, speak to your insurance agent and see if a rate reduction is available with your insurance carrier because of having the baby.
If your rates are not discounted, you may want to shop around with other insurance companies to see if you can reduce your rates. You can start your comparison shopping for affordable car insurance here with us.