21st Century Car Insurance Reviews

21st century

21st Century Insurance and Financial Services, Inc. is a young, innovative, and forward thinking company that offers a full range of insurance products.  They are committed to providing their rapidly growing base of car insurance customers with superior coverage and service, very low rates, and all of the convenience of a robust online presence.

But 21st Century is also a member of the Farmers Insurance Group of Companies, and that means that it rests on a solid foundation of corporate strength and tradition.  Farmers Insurance Group has been providing peace of mind and rock-solid coverage to its customers for over 80 years, and it is now one of the largest insurance companies in the United States.  In fact, Farmers and 21st Century combined boast over 20 million customers nationwide who are served by more than 25,000 highly qualified employees.

If you’re looking for all of the benefits of a fresh and innovative “new kid on the block” as well as the stability of a well-known and venerable company, 21st Century Insurance might well be for you.

Best Features of 21st Century Car Insurance

21st Century is an excellent choice for anyone who wants to keep their insurance rates low and who enjoys managing their business dealings online.

Some insurance companies make money by pushing customers into more coverage than they actually need—more than they need in order to drive legally and more than they need in order to drive with peace of mind.  You won’t get this kind of pressure with 21st Century.  Sure, if you want a full suite of maximum coverage, they will provide it.  But they will also work with you to find a more modest package of coverage that is just right for you.  And you won’t be treated like a second-class customer if you opt for the minimum legal coverage.  You’ll get all of the same service and attention whatever level of coverage you choose.

And you’ll also get all of the online convenience that you would expect from a company called 21stCentury Insurance.  Some of the things that you can do online include: previewing coverage options and getting a quote, managing your policy (e.g. changing coverage, adding or removing a driver, etc.), filing and tracking a claim, and paying your bill.

In fact, about all that you can’t do online is actually sign-up for a policy.  For that, you’ll need to contact an agent.  However, 21st Century makes doing so very simple.  Enter your zip-code on the website, and they will direct you to a local agent who will be able to help you get your policy set up in no time.

What the Experts Say

21st Century is a fairly new player in the auto insurance world, and some its growing pains put a few dents in its customer satisfaction ratings.  However, the company has gone through these developments well, and JD Power now gives it a solid ranking in customer satisfaction and even stronger ratings for coverage options and pricing.

And 21st Century also enjoys solid financial strength as a member of the Farmers Insurance Group—which is consistently rated very well.  In fact, both Best Insurance and A.M. Best gave Farmers Insurance an overall rating of A.

Benefits and Discounts

21st Century is dedicated to saving its customers money, and they offer some of the most competitive base rates around.  But they also offer a full range of discounts that can save you even more.  For example, you may be eligible to receive a discount on your premiums if you insure more than one vehicle on the same policy, or if you maintain a safe driving record, or if you are married, park your car in a garage, or if your car is equipped with an anti-theft system.  But 21st Century also offers other insurance products—such as homeowner’s insurance, renter’s insurance, and life insurance—and you can save even more if you purchase one or more of these additional products from 21st Century.

We’ve already mentioned the wealth of options that 21st Century offers you for managing your insurance policy online.  But this isn’t simply a convenience.  Using these options means that most of your insurance transactions will be handled—and resolved—much more quickly.  What’s more, 21st Century’s user-friendly online presence allows you a level of access to the details of your insurance policy and your transactions that isn’t available with many other companies.

The Bottom Line

21st Century offers a fresh, innovative, and up to date approach to managing all of your auto insurance needs.  They offer highly competitive prices, a wide range of discounts, and the ease and convenience of managing most of your transactions online.  Furthermore, the company has the backing of a trusted and venerable institutions—Farmers Insurance Group—so you can be completely certain of its fiscal strength and stability.

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