Only a few folks – if any – actually get pleasure from coping with automotive insurance coverage: you pay each month or 12 months, and for essentially the most half, you gained’t really use it. However regardless of auto insurance coverage not being essentially the most enjoyable factor on this planet, it’s an essential a part of proudly owning a automobile, and within the not-so-off probability that you simply do get into an accident or injury your automotive not directly, your auto insurance coverage could be a monetary lifesaver – to not point out that in some states, you may even find yourself in jail for driving with none.
So, in the event you don’t need to find yourself behind bars or in monetary misery, you’re going to want auto insurance coverage – and ideally a superb coverage, at that. That will help you discover an insurance coverage firm that’s best for you, we’ve put collectively this complete evaluate of 21st Century auto insurance coverage. On this information, you’ll be taught every little thing it’s essential learn about protection choices, reputability, customer support, and extra.
On this article:
About 21st Century
21st Century has been in enterprise for fairly some time, however its protection choices are missing, and there’s a higher-than-average buyer criticism price. Sadly, 21st Century automotive insurance coverage can be pricier than lots of its rivals.
Nevertheless, the corporate’s concentrate on California drivers makes it a considerably enticing possibility for drivers within the state.
21st Century Auto Insurance coverage Protection Choices
21st Century retains to the fundamentals on the subject of protection choices. It’ll provide you with commonplace protection that features legal responsibility, private damage, complete, uninsured/underinsured motorist, medical cost, and collision protection, nevertheless it doesn’t have most of the extra “premium” choices you would possibly anticipate equivalent to 24/7 roadside help or new automotive alternative protection.
As an alternative, these are the one three further protection choices that 21st Century gives:
- Rental automotive reimbursement: In case you are unable to make use of your automotive for greater than 24 hours as a result of an accident, 21st Century will reimburse you for $30/day or $50/day for 30 days, bringing the utmost whole to $900 or $1,500. The $50 possibility is obtainable as an improve to the $30 possibility.
- Customized gear protection: In the event you’ve modified your automotive, you may take out insurance coverage to guard non-standard options of your autos.
- Deductible waiver for uninsured/underinsured driver: In the event you get into an accident with an uninsured/underinsured driver, 21st Century will waive your collision protection deductible.
21st Century Auto Insurance coverage Reductions
Whereas its protection choices could also be restricted, 21st Century does provide a beneficiant roster of low cost and reward packages, together with:
- Good pupil low cost: Excessive-performing highschool and school college students are eligible for reductions.
- Good driver low cost: Drivers with a superb monitor file could obtain a reduction.
- Superior driver low cost: Drivers with no site visitors violations or accidents prior to now 4 or 5 years could also be eligible for a reduction to their premium.
- Mature driver low cost: Drivers over age 55 who’ve accomplished defensive driver programs could also be eligible for a reduction.
- Multi-car low cost: Drivers that add multiple automobile to their coverage are eligible for a reduction.
- Defensive driver low cost: Drivers who’ve accomplished a defensive driver course could also be eligible for a reduction.
- Anti-theft machine low cost: Drivers who personal a automobile with an anti-theft machine that makes use of the GPS to assist in its restoration could also be eligible for a 15 p.c low cost on their complete protection premium.
How A lot Does 21st Century Auto Insurance coverage Price?
We discovered 21st Century to usually be dearer than comparable insurance coverage suppliers. Nevertheless, the worth of your auto insurance coverage premium will rely on a number of components together with the make, mannequin, and 12 months of your automotive, in addition to your driving historical past and the security options of your automotive.
Evaluate Insurance policies
Begin by filling out this brief type and see the very best charges in your space.
Is 21st Century Auto Insurance coverage Reliable?
21st Century has been in enterprise since 1958 and has a usually good repute backing up its insurance policies. In line with AM Finest, its monetary power ranking is A, which is a bit beneath the utmost ranking of A++. The monetary power ranking is essential, as corporations with a powerful monetary file usually tend to fill claims.
The Higher Enterprise Bureau, or BBB, has given 21st Century an A+ ranking. Nevertheless, it’s not BBB accredited.
General, we’ve discovered 21st Century to be a good firm via our analysis, and we’ve given it a ranking of three.0/5 stars primarily based on its business standing and monetary power.
Getting A Quote From 21st Century Auto Insurance coverage
21st Century makes getting a quote straightforward. The method is just like most different main automotive insurance coverage corporations: you may both name in or go browsing for a free quote.
You’ll be requested to supply some fundamental details about your automobile, driving historical past, and anybody else who might be registered as a driver on the plan. All in all, it’s best to have the ability to get a quote in only a few minutes.
Submitting A Declare With 21st Century Auto Insurance coverage
Drivers insured by 21st Century can submit a declare in considered one of two methods, by calling in or submitting one on-line.
The claims hotline is on the market 24/7, which makes submitting a declare handy irrespective of when it’s essential file. After submitting, an area adjuster will contact you inside 48-72 hours. Then, they’ll come to you to guage the injury to your automobile.
21st Century doesn’t impose any restrictions on the place it’s essential to get your repairs carried out, so that you’re free to take your automotive to your favourite auto restore store.
21st Century Auto Insurance coverage Buyer Service
All through our analysis, we discovered 21st Century to have a higher-than-average variety of buyer complaints. Each evaluate on its BBB.org web page is 1 out of 5 stars.
“After six years with no late funds and no points, we had been notified that 21st was pulling out of Florida and our coverage can be canceled. So I took motion to search out one other firm to search out the identical protection for a similar drivers and autos in my household. That is after I came upon that quotes from different insurance coverage corporations had been quoting me 61% much less on a six-month coverage than what I used to be paying 21st. I could not imagine it. So I went with one other firm and known as 21st to cancel, they usually informed me that I owed them one other $57 and I might be billed for it. The cancelation was 5 enterprise days earlier than my subsequent premium month-to-month cost. So, not solely did I discover out that I used to be being robbed by this firm on overpriced premiums however they dared to inform me I owed them more cash regardless that I used to be cancelling mid-term. Farmers? No. Thank. You.”
-Kathy L., by way of BBB
Primarily based on our analysis, we’ve rated 21st Century’s auto insurance coverage decrease than its rivals on most metrics. There have been an rising variety of complaints from prospects about its service, its premiums are increased than most rivals, and it doesn’t provide as many protection choices as different suppliers.
However, 21st Century does consider California, so some Cali drivers could discover 21st Century’s state-specific packages to be fascinating. Moreover, 21st Century does provide a superb array of rewards and low cost packages.
Different Decisions For Automobile Insurance coverage
If 21st Century doesn’t match the invoice for you, listed below are another suppliers to think about from our evaluate of the business’s prime automotive insurance coverage suppliers.
State Farm is the nation’s largest auto insurance coverage supplier and considered one of our top-rated insurance coverage corporations. We gave it 4.5 out of 5 stars primarily based on its robust customer support, fast payouts, and its A++ monetary power ranking from AM Finest.
State Farm insurance coverage premiums are sometimes cheaper than these from 21st Century, and the corporate gives extra protection choices as properly. Along with commonplace insurance coverage, State Farm covers sports activities automobiles, vintage autos, rental automobiles, and industrial autos. What’s extra: State Farm additionally has the second-cheapest premiums within the business after USAA, which solely covers army members.
All through our analysis, we discovered State Farm to be the very best insurance coverage supplier for college students and the most effective suppliers for teenagers as a result of its good grades reductions and aggressive charges for teenagers.
Most Fashionable Automobile Insurer within the U.S.
Evaluate Insurance policies
Hottest auto insurance coverage firm that companies over 83 million insurance policies.
Geico is the second-largest auto insurance coverage supplier in america. In our analysis, we discovered it to be the most effective insurance coverage corporations for college students and army service members. Geico could be very centered on know-how, which makes it an incredible selection for anybody who prefers to deal with its claims on-line.
Geico’s premiums are a bit increased, however not by very a lot. Our analysis confirmed that its premiums are usually about or decrease than common.
Geico could be very robust financially, with an A.M. Finest ranking of A++, which signifies they’ve a larger functionality to meet claims than different corporations. Buyer experiences appear to replicate this, as Geico solely acquired 3.89 p.c of business complaints regardless of being the same measurement to State Farm, which acquired 9.01 p.c of business complaints.
Finest Firm General
Evaluate Insurance policies
Finest for these ineligible for USAA; gives aggressive pricing and nice protection.
Is 21st Century a superb insurance coverage firm?
In our analysis, we discovered that 21st Century carried out worse than lots of its rivals. We discovered that its premiums had been sometimes increased, it acquired extra complaints than different equally sized insurance coverage suppliers, and provided fewer protection choices.
Does 21st Century provide owners insurance coverage?
21st Century gives owners insurance coverage. When you’ve got each a automotive and residential insurance coverage coverage with 21st Century, chances are you’ll be eligible to obtain a 10 p.c low cost on your private home insurance coverage premium.
Who purchased 21st Century Insurance coverage?
In 2009, Farmers purchased 21st Century Insurance coverage. Farmers bought the corporate from AIG, and paid a reported $1.9 billion.