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Think you’re paying a lot for car insurance in Texas? How about last year or the year before that? Chances are, your premiums have gone up from a few years ago- even without an accident. So why do car insurance rates continue to rise across the nation and what are some of the factors that affect average car insurance rates in Texas?  

Average Car Insurance Rates Are On the Rise

No one likes to hear that car insurance premiums are increasing, but it seems to be the case. So what causes these spikes? The truth is, it might cone as a surprise, but it’s not the insurance companies looking to make a profit. Here are just a few of the factors that affect average car insurance rates in Texas.

Cost of Repairs Believe it or not, one of the biggest factors in increased car insurance premiums has to do with the increased cost of doing repairs to damaged automobiles. More and more vehicles are requiring service- and body shops are raising prices. Increased costs associated with parts and labor, particularly with popular vehicles like SUV’s and trucks, have also lead to higher rates across the board.

Growing Population Another factor that has negatively influenced the average rates is an increasing population in urban areas of the state. As the population grows, so does the need for cars. More people and more cars mean more accidents- and that almost always raises rates.

Uninsured Drivers Texas has significantly more drivers who choose to drive illegally without the proper coverage than most other states. Unfortunately, this impacts what you ultimately end up paying for coverage.

Finding and Keeping Reasonable Texas Auto Insurance Premiums

The good news is, you can actually find reasonable rates for car insurance in Texas by shopping around. Look for local agents or online resources that you let compare rates from top providers for the most reasonable quotes. Comparing quotes and coverage options from a few different companies is your best chance at finding the right policy at a price you can afford.

Keep in mind, you have more control than you think when it comes to keeping reasonable car insurance rates In Texas. By ensuring a good driving record, avoiding accidents and staying informed of available discounts, you can keep your premiums from increasing.

Getting a Good Deal on Car Insurance

Even with rates increasing, it is possible to get a good deal on Texas car insurance. Use all of the available resources you have to compare rates from top providers and secure a decent deal. While you can’t stop every increase, you do have more control than you probably realize when it comes to keeping your premiums from increasing. Maintain a good driving record, stay informed of relevant discounts and use common sense- it can only pay off in the end.

Posted 12:36 PM

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