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The Lowdown on Midland Insurance

While Midland, Texas is best known for once being the hometown of former United States President George W. Bush and First Lady Laura Bush., it’s also known as “The Tall City” because of its dramatic downtown skyline. The city’s motto is even “The sky’s the limit.” But when it comes to your insurance rates, this is the last thing you want. Unfortunately Texas is home to higher-than-average auto rates as well as some of the highest homeowners insurance rates in the country.

But you can keep your Midland insurance quotes low in The Tall City if you know what factors influence insurance and what you can do to keep them under control.

Auto Insurance
The starting point for determining your auto insurance rates are the state-required liability minimums. In Texas, this is $30,000 per person and $60,000 per accident for bodily injury liability, and $30,000 for property damage liability.

From there, factors influencing your Midland insurance quotes include:

  • Age and gender. Statistically, males and drivers under the age of 25 are in more accidents than women and older drivers. If you’re a 22-year-old male seeking auto insurance, you can expect to pay more than average.
  • Driving record. Tickets and accidents stay on your record for up to three years, and they drive your rates through the roof as well. The best way to keep low rates is to drive safely and obey traffic laws.
  • Type of car you drive. Cars that are more likely to be involved in an accident, like sports cars, or vehicles that are more expensive to fix, such as luxury cars or foreign cars, are going to be more expensive to insure.

You can still lower your rates even if you have no control over certain factors. A higher deductible, numerous discounts, and installing a car alarm are just a few ways you can save on your insurance.

Homeowners Insurance
Homeowners insurance in Texas has consistently ranked some of the highest in the nation. Reasons for this include:

  • Weather. Texas is a prime location for tornadoes as well as hurricanes. Damage from both types of disasters can be devastating, making insurance prices higher than average.
  • Building costs. Costs for labor and materials are also factored into Midland insurance quotes for homeowners. The more expensive it is to rebuild a home, the more expensive it is to insure it.
  • Crime rate. Homes in large urban cities with high crime rates have higher insurance rates than those with smaller populations.
  • Age of home. Older homes can be more expensive to insure, especially if plumbing or wiring systems are outdated.

There are many ways you can lower your homeowners insurance, even in Texas. Installing weather-resistant features to your home, adding security measures like a burglar alarm or deadbolt locks, and updating any outdated wiring or heating can significantly lower your premiums.

Saving on Midland Insurance Quotes
Another way to ensure you are getting the lowest rate possible is to shop around and compare the quotes you receive. One of the best places to do this is This comprehensive site provides a wealth of information on insurance requirements and recommendations for each state. Once you’ve done your research, you can get multiple Midland insurance quotes for free.

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