UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:21st Century Insurance has a long history in the personal lines insurance business. The company was originally founded in 1958 to provide inter-insurance exchange auto policies to California drivers. At the time, they were (appropriately) named 20th Century Insurance. They were purchased by AIG in 2005 only to be sold to the large insurance company Farmers Insurance Group four years later. Their current headquarters is in Wilmington, DE.
The 21st Century business model hinges on providing direct-to-customer vehicle insurance in order to keep costs down and pass the savings along to their customers. The company is currently operating and managing auto policies in the 48 continental United States and Washington, D.C. They also offer policies for motorcycles and umbrella policies, and tend to market their products toward a preferred-risk pool of policy holders.
21st Century Insurance Review
One of the easiest ways to tell whether your chosen insurance provider will come through for you in a time of crisis is to look at their ratings. And keep in mind that automotive insurance companies are rated on different things, such as customer service, claims satisfaction, and financial strength. Being average or below in one category might not be a bad sign; earning low ratings in several categories, however, could be problematic.
|AM Best Financial Strength Rating (2015)||A (Excellent)|
|NAIC Complaint Index (2012)||1.04 (Slightly above Average)|
|JD Power Auto Insurance Experience Rating (2015)||3 / 5 (Average)|
|Complaint Ratio per Vehicle (NJ, 2012)||5 / 156,583 (Higher than Average)|
|Complaint Ratio per Vehicle (CA, 2011)||47 / 810,131 (Higher than Average)|
|Better Business Bureau Rating||A+|
21st Century Insurance Discounts
Insurance companies want your business, and one of the ways they try to earn it is by offering unique discounts. 21st Century is no exception, offering their clients the following:
|Discount Type||Maximum Savings*|
|Group Program Credit||9-14%|
|Mature Drivers Course||2%|
(*All data provided by the California Department of Insurance 2013 Automobile Premium Survey, as of Aug 2013)
21st Century Auto Insurance Options
21st Century offers most basic insurance options, such as Liability coverage and any additional state-mandated forms of coverage relevant to your zip code. Additionally, one of their highest-rated forms of coverage is their Rental Car Coverage due to the variety of vehicles immediately available and the convenience of direct billing. Should you wish to bundle your automobile insurance with another insurance policy from 21st Century, you can choose from:
- Mobile Home Insurance
- Flood Insurance
- Vehicle Insurance (Including motorcycles, ATVs, and Boater’s Insurance)
- Specialty Homeowner’s Insurance
- Antique Auto Insurance
- Life Insurance
Comparing 21st Century Insurance Quotes
Because there are so many of your unique attributes used to calculate your final monthly premium, you really will benefit from getting a personalized quote before deciding on a company. For example, below are the estimated (but not guaranteed) rates for a few different but common types of drivers: