21st Century Insurance Company Review

If you’re shopping around and comparing insurance quotes, you might be feeling a little overwhelmed. The hunt for the best policy can be stressful. Our goal is to help make your search less complicated.

This article will examine the insurance plans available with 21st Century. We’ll also look at the company’s financial ratings and customer reviews to help you make an informed decision.

21st Century Insurance

21st Century aims to provide flexible and affordable car insurance to drivers in California. The company offers a variety of coverage options with many discount opportunities.

Customers also have access to the company app. You can check policy details, pay your bill, and view your ID card within the 21st Century app.

21st Century Auto Insurance Coverage

Auto insurance policies with 21st Century are designed to give you control. You can access your policy quickly in the app to update and edit information. 

21st Century’s auto insurance covers incidents from minor fender benders to catastrophic accidents. From the state minimum liability to comprehensive insurance, 21st Century provides plans to protect your assets.

Coverages available with a 21st Century auto insurance policy include:

• Bodily injury liability insurance. This standard policy covers the cost of damages you cause another person in an accident where you are legally at fault.
• Property damage liability insurance. This type of standard coverage pays for damages to others’ property caused by you.
• Collision insurance. This add-on coverage pays for losses caused by hitting another vehicle. Even if you are legally at fault, this plan protects you and your assets.
• Comprehensive insurance. Comprehensive insurance is add-on coverage that protects you from losses caused by non-collision events, such as weather damage, vandalism, theft, and animal damage.
• Uninsured/underinsured motorist insurance. This additional coverage pays for damage caused by drivers with no insurance or insufficient insurance coverage. This plan pays for medical and related expenses up to your selected limit.

With your 21st Century auto insurance, you have access to 24/7 claims coverage.

Savings Opportunities With 21st Century Insurance

21st Century’s insurance plans are designed to save you money. Opportunities to save are built into each policy, and you can receive discounts just for driving safely or renewing your policy.

Some of the savings opportunities built into 21st Century’s car insurance plans include:

• Safe driver discount. You can receive a discount for driving responsibly.
• Multicar discount. If you insure more than one vehicle with 21st Century, you may be eligible for this discount.
• Paperless and AutoPay. Using select electronic and automatic services qualifies you for discounts on your coverage.
• Mature driver discount. Drivers over 55 who complete a defensive driving course may be eligible for this discount on their car insurance.

Besides these built-in savings opportunities, 21st Century advertises an ever-growing list of discounts. Depending on your situation, you may be eligible for more significant savings. 

How do you get 21st Century insurance?

You can purchase 21st Century auto insurance online or speak to a representative. Before you choose a policy, however, you must follow a few steps:

• Determine your coverage needs. Before you apply, you must know how much insurance you need. Consider your state-required minimum, past driving record, and medical condition.
• Check for discounts. 21st Century provides many discount opportunities. You may be able to receive a discount for being a good student or having certain safety features on your car.
• Make sure you don’t leave gaps in your coverage. It’s illegal to allow your car insurance to lapse. Consider waiting until after your 21st Century policy takes effect before canceling your old plan.

It’s essential that you know what coverage you need. You can request a quote online. But if you’re unsure of how much coverage you require, it’s best to speak with a professional. 

21st Century Insurance Claims

The 21st Century claims process is simple. As a customer, you have access to the company’s 24-hour claims coverage backed by Farmers Claims Services. 

The company provides an online web portal to file claims. To submit your claim, you only need to enter a few pieces of information, including your policy number and the date and time of the loss.

You can file a personal or business claim for yourself or someone else. 

21st Century Insurance Ratings & Reviews

As a part of your search for the best insurance company, don’t forget to consult the financial ratings and customer reviews. Both of these are essential sources of information. They allow us to understand a company’s financial stability and customer experience.

21st Century Insurance Financial Ratings

Financial ratings refer to third-party, impartial appraisals of an insurer’s ability to meet financial obligations. These ratings are valuable, and they give us insight into a company’s financial credibility.

A.M. Best, one of the country’s top financial reviewers, rates 21st Century Insurance Company’s financial strength as an A (excellent). Additionally, A.M. Best classifies 21st Century’s economic outlook as stable. 

Apart from A.M. Best, 21st Century is not rated by any other significant financial rating agencies.

21st Century Insurance Customer Reviews

Customer reviews are an equally important source of information. They allow us to see how the company treats its customers and whether or not it honors its agreements. 

21st Century is not accredited with the Better Business Bureau (BBB). However, the company does have an A+ rating based on customer information and complaints. Also, the company has a 1/5 star rating based on three customer reviews. 

With Clearsurance, 21st Century has a 3.94/5 star rating based on 307 customer reviews.

The negative reviews generally complain of poor customer service and issues with billing. Happy customers praise the company for its flexibility and affordable pricing.

21st Century Insurance Final Thoughts

21st Century provides flexible car insurance policies for drivers across California. The company has been in business for over 50 years and aims to provide customizable policies at affordable prices.

The best features of a 21st Century auto insurance plan include:

• Flexibility. You have the control to manage and update your policy. There are many coverage options and discount opportunities.
• 24-hour claims coverage and customer service. Day or night, 21st Century is available to help you with your insurance needs.
• Built-in savings. Car insurance with 21st Century is designed to save you money. You can automatically receive discounts just for driving safely or enrolling in paperless billing.

The company could, however, improve in a few areas. Some of the negative aspects of 21st Century Insurance include:

• Poor customer reviews. Customers accuse the company of having lousy service and issues with billing. 
• Lack of online information. While 21st Century provides some information online, its website is not as extensive as some competitors. The company alludes to many discounts but only mentions a few. 

Overall, if you’re looking for full-coverage auto insurance in California, 21st Century might be an excellent choice. The flexibility in coverage and numerous savings opportunities make this company a practical option with valuable plans.

Remember to do lots of research. It’s crucial to compare multiple companies and their rates to find the best coverage for you and your family.