It doesn'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 don'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.
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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 don'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.