Personal Auto
Insurance

Germania’s auto insurance offerings include features and benefits such as optional roadside assistance and discounts for Texas drivers. These discounts for Texas auto insurance include:

• Paid in Full Discount: Provides savings if the premium is paid in full by the effective date of the policy.
• Multi-Car Discount: Available if you have more than one qualifying auto insured on a Germania policy.
• Companion Policy Discount: Provides a 15% savings on Liability, Personal Injury Protection (PIP) or Medical Payments, Other Than Collision (OTC) and Collision when you insure your primary owner/ immediate family/or weekend occupied dwelling and have your personal liability or farm liability policy with Germania.
• Mature Driver Discount: Provides a 10% savings on liability, Personal Injury Protection (PIP) or Medical Payments, Other Than Collision (OTC) and Collision when the principal operator of a vehicle is over the age of 50.
• Academic Achievement Discount: Provides up to a 15% savings for qualifying drivers under the age of 25. The driver must be enrolled as a full-time student or have earned a degree and/or meets the academic requirements to be eligible for the discount.
• Driver Training Discount: Provides a 10% savings on Liability, Personal Injury Protection (PIP) or Medical Payments and Collision coverage when a male driver underage the 25 or an unmarried female driver under the age 21 completes a driver education course.
• Passive Restraint Discount: Provides up to 30% savings on Personal Injury Protection (PIP) or Medical Payments when an auto is equipped with factory installed air bags and/or a passive restraint system.
• Anti-Theft Discount: Provides a 5% savings on Other Than Collision (OTC) coverage when a vehicle is equipped with a qualifying anti-theft device.
•  New Vehicle Discount: Provides up to 10% savings on Liability, Personal Injury Protection, Medical Payments, Collision and Other Than Collision when the model year of the vehicle is within three years of the current calendar year.

Whether you are hitting the Texas Highways or traveling out of state, Germania’s Roadside assistance has you covered with the best service and protection around. This optional coverage can be added to your Germania Auto policy for a nominal premium and covers all the insured drivers on the policy in any vehicle. Germania Roadside Assistance Coverage includes:

• 24-Hour Emergency Towing Service: Roadside Assistance Coverage tows your vehicle up to 50 miles to a destination of your choice. Any mileage beyond that limit will be paid by you at the time of the service.
• 24-Hour Emergency Road Service: You are covered for emergency road service throughout the U.S., Canada and Puerto Rico.
• 24-Hour Emergency Delivery: A service truck will deliver emergency supplies of gasoline, water, oil or other necessary supplies. You only pay for the cost of the supplies.
• 24-Hour Emergency Battery Service: We will jump-start or boost your drained battery and perform minor adjustments to alternators, starters etc. while your vehicle is disabled on the road.
• Lock-out Service: If you’re accidentally locked out of your vehicle, we will unlock your vehicle’s passenger compartment.

Germania Insurance offers more than just standard auto protection. Our personal auto policies include specialty coverages designed to meet the unique needs of Texas drivers—providing added peace of mind and real-world value.

• Minor Accident Forgiveness: Accidents under $500 are forgiven entirely, and those under $2,500 won’t add points to your policy. It’s our way of helping you move forward without penalty.
• Pet Coverage: If your pet is injured in a covered auto accident, we’ll help cover veterinary expenses. Because protecting your loved ones includes your four-legged family members.
• Car Seat Replacement: When you carry Collision or Comprehensive coverage, we’ll replace your child’s car seat if it’s damaged in a covered loss—at no extra cost.
• Personal Property Protection: We cover personal items like electronics, tools, and luggage that are damaged, destroyed, or stolen during a covered auto incident.
• Sound Equipment & Custom Parts: Our policies include coverage for aftermarket sound systems and custom parts, with options to increase limits for added protection.
• Rock Chip Repair: We offer free repairs for windshield chips and cracks, helping you avoid costly replacements and stay safe on the road.
• Farm Vehicle Coverage: Own a farm truck or trailer? We offer dedicated coverage that separates your farm vehicles from personal or commercial use—ideal for rural Texans.
• Single Deductible Advantage: If a single event damages both your home and your vehicle, you’ll only pay one deductible. It’s a simple way to save when life gets complicated.

Auto insurance isn’t just smart protection for your vehicle—it’s also required by law in Texas. Ensuring your policy meets state requirements is essential, and after over 125 years of serving the Lone Star State, no one knows Texas insurance laws better than Germania.

In Texas, drivers are required to have “30/60/25 coverage.” This means you must have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. Beyond the legal mandates, carrying car insurance is a smart decision. Protect yourself, your loved ones, and your assets in the aftermath of an auto-related situation.