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FAQs

Germania Farm Mutual Insurance was formed in 1978 for the purpose of providing affordable automobile coverage for the members of the Germania Companies. We have remained true to our heritage and offer an automobile program that recognizes the needs of rural Texans, as well as life in the suburban areas.

You know that everyone needs auto insurance, but how do you select a company that offers you strength, stability and experience? Germania Fire & Casualty Company and Germania Farm Mutual Insurance both maintain an A (excellent) rating from A.M. Best Company, the oldest, most experienced rating agency for insurance companies in the world.

Our conservative underwriting philosophy and dedication to personalized service allows Germania Farm Mutual Insurance to offer coverage at competitive rates. We seek business that exhibits a good driving history, minimal loss activity and average vehicle exposures. This philosophy allows us to keep rates low and provide you with quality service.

Every risk is different and Germania Farm Mutual Insurance provides a variety of special discounts that can reduce the cost of your auto insurance. These discounts include:

• Multi-Car
• Defensive Driving
• Driver Training
• Passive Restraint
• Anti-Theft
• Companion Policy
• Mature Drivers

Check with a Germania agent to see which discounts can be applied to your policy.

Personal Automobile Program