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What Factors Determine Your Rates For Car Insurance In Texas?
Insurance is a requirement in the state of Texas. This is also not a state that you want to try and drive without insurance. Texas has an online system that allows police and other state officials to verify the validity of a vehicle's insurance coverage very quickly. If a vehicle is caught on the road without insurance, the owner is looking at a fine of several hundreds of dollars.
There are a number of factors that determine Texas car insurance quotes and rates. Knowing what they are and how to best maximize them is the key to reducing your quote and rate. Texas has three minimum requirements for total liability insurance. The first requirement is for injury for a single person in an accident. This has a requirement of $30,000. The second requirement is for injury for multiple people in an accident. This has a requirement of $60,000. The third requirement is for property damage. This has a requirement of $25,000.
Texas is on the higher end of insurance premiums compared to other states in the country. The average premium is a little over $125 per month. Part of that is because Texas has higher minimum insurance requirements than a lot of other states. The other part of it is car theft. Texas is a border state, sharing a border with Mexico. This makes Texas one of the highest states in the country in the area of car thefts. Many criminals illegally cross the border from Mexico to the United States. They steal cars and use those cars to engage in illegal activity.
