Are you expecting a baby? Buckle up, buttercup, because life’s going to change fast. Your schedule, your budget and your priorities all will be different from now on — and your car insurance probably should adapt too.  Before your little one’s born, take a few minutes to compare quotes on Compare.com. We’ll show you how much you can save.

Can You Get a Discount on Your Car Insurance for Having a Baby?

Let’s get this out of the way first: No, there’s no new-baby discount on car insurance.

It’s a bummer, but it’s true. You can see insurance savings for all kinds of other life events, such as getting married or getting a degree, but having kids won’t change your rates.

Then Why Should New Parents Shop for Auto Insurance?

Because you have nothing better to do during those 2 a.m. diaper changes?

Seriously, though: It’s because you need to save money. New babies are expensive! The USDA found that the average middle-class family spends around $12,000 on baby-related expenses in their child’s first year.

People who compare quotes on Compare.com and switch their car insurance provider save an average of $720 a year, or $60 per month. That can go a long way toward helping pay for:

• Baby clothes (average cost $60 per month)
• Baby food (average cost $60 per month)
• A cloth diaper service (average cost $70 per month)
• Disposable diapers (around $46 per month)

(Cost estimates from Investopedia)

Best of all, you’re not giving anything up! Chances are, you can find car insurance that’s just as good or better than the policy you have now, but costs less.

When a New Baby Means a New Car, You Should Compare Auto Insurance

It’s a time-honored, though painful, ritual: When your first child’s born, you trade in your fun car for something practical. Adios, Charger; hola, CR-V. Bye, Mustang; hello, Odyssey.

Don’t be too depressed! The good news is that your new family car might lower your insurance bill. Minivans and certain small SUVs (like a CR-V or RAV4) are among the least expensive vehicles to insure. So, if you’ve changed vehicles recently, now’s a good time to compare rates and see how much you can save.

When a New Baby Means a New Home, It’s Time to Compare Car Insurance

Your 900-square-foot cottage was all the space you needed… and then baby came along. Suddenly, every room was crammed with toys, swings, playmats and bouncy seats. If parenthood sparks a move to a new home, you could get a surprise bonus: cheaper car insurance.

Rates can drop if you move to a neighborhood deemed lower-risk by an insurance company. Many insurers give discounts to anyone who owns their house or condo. Bundling auto and home insurance can get you an even bigger discount — up to 25% from many major insurance companies.

If You Need Better Car Insurance After Having a Baby, Shop Around First

Remember that you have car insurance for a reason: to protect yourself, your finances and your family. When you were younger, maybe you were fine with a cheap state minimum policy that let you drive legally with no extra coverage. But now that you have a baby, you should consider car insurance that gives you a little more.

Adding personal injury protection or medical payments can pay medical bills for yourself and family members, should you be hurt in an accident. Adding roadside assistance can ensure you don’t get stranded with a crying infant when your car breaks down. And increasing your coverage limits across the board can protect you financially, should you have an at-fault accident.

Auto insurance rates vary a lot from one company to the next, which means you might find a better policy that’s even cheaper than the one you have now! The only way to find out is to shop around.