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I recently moved from CA to TX, and looking to get new insurance plan. But it seems like TX auto insurance is substantially more expensive.
I've looked around a number of articles online on car insurance, and every source says the same thing: Texas car insurance premiums are lower than they're in California. However, when I pull up quotes from 5 different insurance companies, and compare by entering TX ZIP vs CA ZIP (everything else is identical), I get significantly cheaper rates with CA ZIP, by about $100-$150/month difference for the same coverage, which is a massive difference.
I recently moved from CA to TX, and looking to get new insurance plan. But it seems like TX auto insurance is substantially more expensive.
I've looked around a number of articles online on car insurance, and every source says the same thing: Texas car insurance premiums are lower than they're in California. However, when I pull up quotes from 5 different insurance companies, and compare by entering TX ZIP vs CA ZIP (everything else is identical), I get significantly cheaper rates with CA ZIP, by about $100-$150/month difference for the same coverage, which is a massive difference.
What am I missing here?
There are many different factors that come into play here. Texas has a higher minimum liability requirement than California does, which may make it more costly. If you live in one of the bigger cities in Texas, that will increase your costs significantly, as well. I made the move from CA to TX and had to get a new insurance policy. Pricing was about the same.
Depends on what cities (and which parts of those cities). My insurance is definitely cheaper in Texas than in California, but I remember moving a long time ago within Texas and seeing my insurance jump 30% from North Austin to East Dallas.
Hm, very interesting... I moved from Los Angeles (more expensive) to Austin (cheaper), so technically, it should be cheaper, but it isn't. Not only that, but it's significantly more expensive ($2100/year in LA vs $4000/year in Austin). Is that normal? That's a ton of money. Also, I'm living in a neighborhood that's safer when compared to the neighborhood in LA according to crime maps and rates. I can't really understand this...
And all sources I've read online say that TX HAS cheaper auto insurance than CA, like this one for example: http://www.insure.com/car-insurance/...nce-rates.html So even if it's not cheaper, I would expect it to be at least similar, and not TWICE as expensive... I'm a little lost why that's the case.
Geico told me, insurance in TX is high because of the large number of immigrants who have poor driving skills, no insurance and drive poorly maintained Mexican registered cars. All of which contributes too a high number of claims in TX compared to other states.
$4,000 a year in car insurance? What are you insuring and what are your limits? You might be a lot better off with a lower insured amount and putting an umbrella on it.
Hm, very interesting... I moved from Los Angeles (more expensive) to Austin (cheaper), so technically, it should be cheaper, but it isn't. Not only that, but it's significantly more expensive ($2100/year in LA vs $4000/year in Austin). Is that normal? That's a ton of money. Also, I'm living in a neighborhood that's safer when compared to the neighborhood in LA according to crime maps and rates. I can't really understand this...
And all sources I've read online say that TX HAS cheaper auto insurance than CA, like this one for example: Car insurance rates by state: Most and least expensive So even if it's not cheaper, I would expect it to be at least similar, and not TWICE as expensive... I'm a little lost why that's the case.
Any thoughts/advice?
That sounds outrageous!!! There are many different factors, not just location. Credit, type of vehicles, person driving (any youthful drivers?), accidents or claims and location. All of these play a part. I would look for a broker in your area that offers several carriers. Some with good rates are Erie, Travelers, AAA and Geico.
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