Germania vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Germania offers significantly more affordable prices than Redpoint County Mutual
• Germania offers less expensive average rates for policyholders who live in rural neighborhoods
• Germania has cheaper premiums for policyholders who live in suburban areas

Germania or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Germania or Redpoint County Mutual as potential options, but which one has more affordable prices for auto insurance?

Looking at the national average rates for both carriers, Germania has average rates that are around 30% a month less expensive than those from Redpoint County Mutual.

However, Germania may not be the most affordable or best option for each driver out there. Insurance companies vary their rates depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a variety of other factors, so prices could differ drastically from person to person.

So, if you want to find out which of Germania or Redpoint County Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

Germania vs. Redpoint County Mutual: Average Car Insurance Rates by State

Both Germania and Redpoint County Mutual only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Germania drivers tend to pay about $54 per month less on average compared to drivers who use Redpoint County Mutual for their auto insurance.

Typically, where you live will play a big role in how much you pay for insurance, but since both companies only do business in Texas, a lot of other variables will come into play when you compare Germania and Redpoint County Mutual. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Germania for their auto insurance pay almost 35% less than those who use Redpoint County Mutual.

That being said, both carriers will drop rates by the time you turn 25. For example, average premiums for Germania policyholders reduce over 50% and Redpoint County Mutual's prices lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which company offers the best rates to retired drivers? Germania gets the edge, with premiums for drivers 65 and older almost 30% cheaper than the national average for Redpoint County Mutual.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married policyholders normally cover more than one vehicle, which a lot of companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Germania prices coming in at a quarter less than Redpoint County Mutual's. The advantage for married drivers with Germania is also obvious, where drivers save about $40 a month.

Germania or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for car insurance than women.

With Germania, women normally pay nearly 10% per month less than men, and around 9% less with Redpoint County Mutual.

Looking at the data for each carrier specifically, Germania offers the most affordable average premiums for both men and women. On average, women save about $51 a month and men save about $57 with Germania compared to the average Redpoint County Mutual policyholder.

Germania vs. Redpoint County Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Germania has the edge, with average monthly rates coming in at $90. If you want a full coverage policy with the same state minimum limits, Germania again has the edge, with policies averaging around $194 per month to Redpoint County Mutual's $277.

Is Germania or Redpoint County Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which company -- Germania or Redpoint County Mutual -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Germania auto insurance policies don't report seeing their prices increase after getting a ticket, but Redpoint County Mutual policyholders can expect to see their monthly bill increase by about 0%.

That being said, Germania has less expensive rates for drivers in both categories, offering prices that are 27% and 27% more affordable, respectively, compared to Redpoint County Mutual.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Redpoint County Mutual climbing by around 33%. Germania has a less extreme increase, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, drivers who use Germania end up with the cheaper prices after an accident, with average prices coming in at $132 compared to Redpoint County Mutual's $206.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. For example, Redpoint County Mutual increases average rates by more than $150 a month -- that's just under a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Germania tends to be cheaper for the average driver, with monthly premiums coming in at about $233 to Redpoint County Mutual's $301.

How does Credit Score Impact Germania and Redpoint County Mutual Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Germania will generally reward you the most. For policyholders with "excellent" credit scores, Germania comes in nearly 47.77 less expensive. Drivers with "good" credit scores typically save around 32% with Germania compared to average premiums from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower prices than Redpoint County Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 29% per month less with Germania compared to Redpoint County Mutual, and those with "poor" scores normally save an average of around 10% per month.

Is Germania or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much insurance companies will charge for coverage? Usually, those who drive less will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Germania or Redpoint County Mutual report increasing premiums for drivers with higher annual mileage figures. Germania comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average prices of $142 a month for both.

Germania or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Germania usually comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $39 with Germania compared to Redpoint County Mutual. People who live in suburban areas pay around $34 less with Germania compared to Redpoint County Mutual. For drivers in urban ZIP codes, Germania Insurance's average prices are about $89 less than Redpoint County Mutual.

Germania vs. Redpoint County Mutual Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Germania and Redpoint County Mutual so that you can see which company can save you the most money each month.

Germania blows Redpoint County Mutual away when it comes to the sheer amount of discounts available, offering 18 different discounts to Redpoint County Mutual's three.

There are a couple discounts both companies offer, but Germania also offers discounts for ABS, academic, advance quote, and more.

On the other hand, Redpoint County Mutual has a few proprietary discounts of their own like good driving discounts and group discounts.

Final Thoughts: Is Germania or Redpoint County Mutual Best for You?

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the right carrier for you and your specific driver profile?

Germania might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You have above-average credit.
• You're of retirement age and want to take advantage of lower prices.

Redpoint County Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Germania and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Germania and Redpoint County Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Germania vs. Redpoint County Mutual FAQs

Is Germania or Redpoint County Mutual cheaper?

Germania is the less expensive of the two carriers when looking at national average premiums, with policies averaging $142 per month with Germania and $196 for Redpoint County Mutual. But that doesn't mean Germania will be the cheapest carrier for each policyholder, since there are a range of different factors that are considered when it comes to your auto insurance payment.

Who is better, Germania or Redpoint County Mutual?

Unfortunately, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Germania and Redpoint County Mutual offer me different rates?

Car insurance companies use quite a few different variables when calculating the rates they charge. Factors like where you call home, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Germania and Redpoint County Mutual calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Germania or Redpoint County Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Germania or Redpoint County Mutual at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.