Texas Auto Insurance Discounts

Discounts that can reduce the cost of your auto insurance:

  • Paid in Full Discount: Provides 12% 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.
  • Defensive Driving Discount: Provides a 10% savings on Liability, Personal Injury Protection (PIP) or Medical Payments and Collision when a driver has completed a state approved defensive driver training course.
  • 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.

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