21st Century Insurance Review & Ratings (2023)

21st Century insurance is a wholly owned subsidiary of AIG insurance. The company was originally founded in 1958, and AIG announced in May of 2007 that it intended to purchase the company. The company specializes in special insurance, including motorcycles and high risk drivers, and reportedly insures more than 1.5 million vehicles.

21st Century Insurance has been part of the Farmers family for more than a decade. It only sells car insurance in California, but you’ll have access to Farmers’ ample list of policy options if you want to expand your coverage.

It might not be the best car insurance in your state, but 21st Century’s low rates make it worth checking out, particularly if you have a DUI. Read on to learn more about 21st Century Insurance, including rates, discounts, coverage options, and what customers have to say. Then, compare other California car insurance companies to find the best policy for your vehicle.

21st Century Car Insurance Options

21st Century Insurance offers a wide range of products and services to meet the needs of different types of drivers. The main types of coverage offered by the company include:

• Liability coverage: This is the most basic type of car insurance required by law in most states. It covers the cost of damage or injuries that you may cause to another person or their property while operating your vehicle. It includes two types of coverage, Bodily Injury Liability, and Property Damage Liability.
• Collision coverage: This type of coverage pays for damage to your own vehicle in the event of an accident, regardless of who is at fault. It covers the cost of repairs to your car or the cost of replacing your car if it is deemed a total loss.
• Comprehensive coverage: This type of coverage pays for damage to your car from non-collision events, such as theft, fire, or natural disasters. It also covers the cost of repairs to your car or the cost of replacing your car if it is deemed a total loss.

In addition to these main types of coverage, 21st Century Insurance also offers a variety of additional coverage options, such as:

• Roadside assistance: This coverage provides assistance in case of a breakdown or accident, such as towing, jump-starting a battery, or changing a flat tire.
• Rental car coverage: This coverage pays for the cost of renting a car while your car is being repaired or replaced due to a covered loss.
• Glass coverage: This coverage pays for the cost of repairing or replacing a damaged windshield or other glass on your car.
• Customized equipment coverage: This coverage pays for the cost of repairing or replacing customized equipment, such as a sound system or customized paint job, in the event of a covered loss.

Overall, 21st Century Insurance offers a wide range of products and services to meet the needs of different types of drivers. The company’s main types of coverage include liability, collision, and comprehensive coverage, and they also offer a variety of additional coverage options.

The add-on coverage you can get from 21st Century includes roadside assistance, rental car coverage, glass coverage, and customized equipment coverage. The cost of these services will vary depending on factors such as the type of coverage, the make and model of your car, and your driving record.

Cost of 21st Century Car Insurance

The cost of car insurance with 21st Century Insurance will vary depending on a number of factors, including:

• The type of coverage you choose: The cost of liability coverage is typically lower than the cost of collision or comprehensive coverage.
• The make and model of your car: The cost of insuring a new luxury car will be higher than the cost of insuring an older economy car.
• Your driving record: Drivers with a history of accidents or moving violations will typically pay more for car insurance than those with a clean driving record.
• Your location: Car insurance rates can vary by state, so the cost of insurance will be different depending on where you live.
• Your age, gender, and marital status: Young drivers, male drivers, and unmarried drivers are generally considered to be higher-risk and will typically pay more for car insurance.
• Your credit score: Some insurance companies take credit score into account when determining rates and some states prohibit the use of credit-based insurance score in determining rates.
• The amount of coverage you need: The more coverage you choose, the higher the cost of insurance.

It’s important to note that the cost of car insurance will also vary depending on the company you choose and the discounts you qualify for. The best way to get an accurate estimate of the cost of car insurance with 21st Century Insurance is to get a quote from the company.

When you get a quote, you will be asked for information about your vehicle, your driving record, and your coverage needs. The company will then provide you with an estimate of the cost of insurance based on that information.

Overall, the cost of car insurance with 21st Century Insurance will vary depending on a number of factors, including the type of coverage you choose, the make and model of your car, your driving record, your location, your age, gender, and marital status and the amount of coverage you need.

We recommend you get a quote from the company to get an accurate estimate of the cost of insurance and then compare that quote with other options from providers near you.

Insurance Discounts Available With 21st Century

21st Century Insurance offers a variety of discounts to customers in order to help lower the cost of coverage. To qualify for these discounts, customers will need to meet certain criteria. Some examples of discounts offered by the company and the criteria required to qualify for them include:

• Good driver discount: To qualify for this discount, customers must have a clean driving record, with no at-fault accidents or moving violations in the past three years. The amount of savings will vary depending on individual circumstances.
• Student discount: To qualify for this discount, customers must be full-time students under the age of 25 and maintain a “B” or better grade point average. The amount of savings will vary depending on individual circumstances.
• Safe driver discount: To qualify for this discount, customers must complete a safe driving course. The amount of savings will vary depending on individual circumstances.
• Multi-car discount: To qualify for this discount, customers must insure more than one vehicle under the same policy. The amount of savings will vary depending on individual circumstances.
• Homeowners discount: To qualify for this discount, customers must own a home or be a renter. The amount of savings will vary depending on individual circumstances.
• Anti-theft device discount: To qualify for this discount, customers must have an approved anti-theft device installed in their vehicle. The amount of savings will vary depending on individual circumstances.

It’s worth noting that the discounts vary by state and the savings will depend on individual circumstances, so the best way to know how much you can save is by getting a quote and seeing what discounts are available in your area.

Overall, 21st Century Insurance offers a variety of discounts to customers in order to help lower the cost of coverage. To qualify for these discounts, customers will need to meet certain criteria, such as having a clean driving record, being a full-time student, completing a safe driving course, insuring more than one vehicle, owning a home or being a renter and having an approved anti-theft device installed in their vehicle.

The amount of savings will vary depending on individual circumstances and by state.

Claims Process With 21st Century Insurance: Streamlined Claims Handling

Ease of Filing a Claim

21st Century Insurance offers multiple convenient options for filing claims, ensuring a streamlined process for its customers. Claims can be filed through their online platform, over the phone, or via their mobile app. This flexibility allows policyholders to choose the method that suits them best, enhancing the overall claims experience.

Average Claim Processing Time

The average claim processing time at 21st Century Insurance is a crucial factor for customers. Although specific times may vary based on the complexity of the claim, the company strives to maintain an efficient claims process. Customers can generally expect prompt handling and resolution of their claims, providing them with the necessary support during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts at 21st Century Insurance varies. Some customers report satisfactory experiences, praising the company’s fair claim resolutions and timely payouts. However, others express concerns regarding the claims process and payout delays. Collecting and addressing customer feedback is essential for continuous improvement and ensuring a better claims experience.

Digital and Technological Features by 21st Century Insurance: Modern Solutions

Mobile App Features and Functionality

21st Century Insurance offers a user-friendly mobile app that provides convenient features and functionality for policyholders. The app allows customers to manage their policies, view insurance documents, file claims, and track claim status. Additionally, it offers useful tools to calculate quotes and explore coverage options, enhancing accessibility and efficiency for users on the go.

Online Account Management Capabilities

The online account management capabilities provided by 21st Century Insurance empower customers to have easy access to their policy details and manage their accounts efficiently. Through the online platform, policyholders can review and update their coverage, make payments, request policy changes, and access important documents, providing them with a seamless and convenient digital experience.

Digital Tools and Resources

Customer Reviews of 21st Century Insurance

21st Century Insurance has a mixed reputation among customers. Some customers report that the company offers competitive rates and good customer service, while others have had negative experiences with the company.

Common complaints include issues with the claims process and difficulty getting in touch with customer service. However, customers generally praise the company for the variety of discounts they offer.

History and Mission of 21st Century Insurance

21st Century Insurance was founded in 1958 by Louis W. Foster as an insurance agency selling auto policies underwritten by Farmers Insurance Group. In 2005, the company was acquired by AIG (American International Group) and became a wholly-owned subsidiary of AIG.

Today, 21st Century Insurance is one of the largest car insurance providers in the United States. The company’s mission is to provide its customers with quality insurance coverage at an affordable price.

In Summary: 21st Century Insurance

Overall, 21st Century Insurance is a reputable car insurance company that offers a range of products and services at competitive prices. The company has a long history and is available in most states. They also offer a variety of discounts to customers, which can help lower the cost of coverage.

However, customers have had mixed experiences with the company, with some reporting issues with the claims process and customer service. It’s always recommended to compare different insurance quotes and reviews before making a decision.