Neither link you posted corresponds to your claim about a drop in costs, and this report also contradicts what you're saying: http://www.citizen.org/documents/T

Neither link you posted corresponds to your claim about a drop in costs, and this report also contradicts what you're saying: http://www.citizen.org/documents/Texas_Liability_Limits.pdf http://www.citizen.org/documents/Texas_Liability_Limits.pdf Do you have any other sources for your belief?