I don't agree with singling out people just because they have Mexican heritage. You can use other criteria like credit rating, driving record, arrests, employment, etc. to screen out the dirtbags, whatever their descent. I know plenty of Hispanic people who deserve insurance much more than a lot of Mayflower-derived scum. (A couple of my relatives come to mind in the latter category.)
Well like I said, I don't know the details, but that's what I heard from the "grapevine".....a.k.a. my mother. The insurance agent has been doing business with my family for decades and I'm pretty sure he did all that stuff. Plus, insurance agent guys take the "intangibles" into consideration too, of course.
Not to discriminate or anything, but Mexican drivers and their behaviors are a simple fact of life where I live.