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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Congratulations on the addition to your family. It’s a time to cherish; however, it doesn’t mean it will translate into a discount on your car insurance policy. 

Car insurance discounts vary by company, so there may be a few insurers out there that often a reduction of rates for starting a family. However, in general, having a baby isn’t a standard item that affects the cost of car insurance one way or the other. 

Car insurance companies calculate your rates based on a variety of rating factors. The main ones that concern you personal information typically are:

  • Gender
  • Age
  • Years of driving experience
  • Driving record
  • Occupation
  • Level of education
  • Marital status
  • Geographical Location

So, if you’re married, that should bring your a reduction in rates or discount, even if having a baby does not. If your driving record improves due to your safe driving with the baby, that in will help lower your car insurance rates.  Also, suppose you’ve traded in a sports car for a family sedan or minivan. In that case, that should help you receive more affordable car insurance premiums since family cars are usually cheaper to insure.

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 this life event.  Likely no discount will be offered, but that doesn’t mean you can ask about what other discounts you may be eligible to receive.

For instance, if you or your wife now are going to work from home with the baby, or stop working altogether, then let your insurance company know if your annual mileage will be less on one of your vehicles.  This could bring you an added discount on your car insurance premium.

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 to compare car insurance rate quotes here.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.