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Factors that Affect Rates for Texas Car Insurance

When you apply for car insurance in Texas, the insurer uses a number of factors to determine the level of risk that you present. The higher the level of risk, the more you will be charged for your coverage. The following is a list of factors the work that make a difference to insurers:

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Driving History

The way you have handled a vehicle in the past is an indication of how you will continue to drive. If you have moving violations or have been involved in one or or more at-fault accidents, this fact can impact your rates.


Younger drivers, because they have less experience behind the wheel, are statistically more likely to be involved in accidents. As you get older and spend more time driving, your age becomes less of a factor.


It may seem sexist, but insurance companies know that young males are more likely to be involved in car accidents. Keep in mind that insurance companies are looking across groups of people, not considering how individual drivers behave behind the wheel when they are considering risk factors.


As a group, people who are married and/or have children are less likely to be involved in car accidents. Saying “I do” or starting a family can affect your insurance rates, so let the company or your agent know about major changes in your life.

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