THE GOOD

Nice selection of driver discounts:

21st Century offers you several ways to save money on your auto insurance policy, including a safe driver discount, insuring multiple vehicles, and paying your premiums in advance. There are also discounts for members of certain affiliated organizations or partner companies. If you drive less than 15,000 miles in a year, you will be eligible for 21st Century's low mileage discount. Family and good student discounts will be appealing for parents looking to add their teens to their auto insurance policy. In addition to all the general driver discounts, you can also save if you are a member of the U.S. military or by remaining with 21st Century for an extended period of time.

GAP insurance and new car replacement:

If your car is totaled in an accident, 21st Century's GAP insurance coverage makes sure that you aren't stuck paying for the remainder of your car loan. They will pay the difference between the value of your car and the balance remaining on the loan, leaving you one less thing to worry about. If your car was less than one year old at the time of the accident, 21st Century will also replace it with a brand new version.

Design and manage your policy with ease:

You can get a quote and purchase a 21st Century auto insurance policy right online thanks to the online quote tool. Just answer a few questions about the vehicle you'd like to insure and your driving history, and then adjust your coverage options until you find a policy that has everything you need. 21st Century offers liability, uninsured/underinsured motorist, and collision and comprehensive coverage. Once you're happy with your policy, you can purchase it directly online. If at any time you need to edit your policy, you can easily do so through your 21st Century online account. Adding a driver, replacing a vehicle, or viewing your billing information can all be done with just a few clicks.

THE BAD

No mechanical breakdown coverage:

If your car suffers a mechanical breakdown, you will have to pay for the repairs yourself because 21st Century auto insurance doesn't cover mechanical repair costs that go beyond routine maintenance. Although this is not uncommon among auto insurance providers, there are still several companies that do offer this type of coverage. If you are interested, it may be a good idea to look at a few other auto insurance providers.

Limited mobile tools:

21st Century does provide a mobile app for their auto insurance customers, but it doesn't allow you to do much beyond view and edit your policy details. You can't get a quote through the app, and there's also no way to file a claim. Not everyone will be interested in using a mobile app to manage their 21st Century auto insurance policy, however, so this probably won't be a big concern.

No Accident Forgiveness program:

If you get into an accident, you can count on your 21st Century auto insurance rates going up because 21st Century doesn't have any sort of Accident Forgiveness program in place. Almost every major auto insurance provider has an Accident Forgiveness program, so it is a little surprising that 21st Century doesn't. That being said, there are plenty of nice discounts you can take advantage of to help lower your auto insurance rates, and if you're a safe driver, this probably won't be much of a problem at all.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A
A.M. Best ICR Rating a
Moody's Rating N/A
Standard & Poor's Rating A+

FEATURES

Title
  • Defensive Driver Discount You can get a discounted rate if you complete a defensive driving course.

  • Discount Finder The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.

  • Family Discount Direct family members of current policy holders get a low rate.

  • Good Driver Discount You can get a discount for having a clean driving record.

  • Good Student Discount Students that maintain a good GPA can get a policy discount.

  • Low Mileage Discount You can get a discount for driving low mileage each year.

  • Loyalty Discount You can get a discount if you remain with the company over an extended period of time.

  • Military Discount You can get a discount if you are a member of the military.

  • Multiple Policy Discount You can get a discount for having multiple insurance policies with the same company.

  • Multiple Vehicle Discount You can get a discount if you insure multiple vehicles.

  • Organization Discount You can get a discount to if you are affiliated with certain organizations or partner companies.

  • Prepay Discount You can get a discount if you pay your premiums in advance.

  • Accident Forgiveness Your rates do not automatically increase after an accident.

  • Driving Habits Discount You can get a discounted rate if you place a device in your car that measures your driving habits.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Mail Payments Payments can be mailed.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Dashboard You can manage and change policy details through an online service center.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Telephone Claim Filing You can file a claim via telephone.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Android App You can get an Android-specific app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • Get a Quote You can get a rate quote through a mobile app.

  • Tablet A tablet-based app is available.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Live Chat The company offers live chat support.

  • FAQs A list of answers to frequently asked questions is available.

  • Glossary A glossary of common industry terms is available.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Blog A blog with relevant insurance information is available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Video Tutorials Video tutorials are available.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

Comparable


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