The Future Of Auto Insurance: Is 21St Century A Good Choice?

21st Century Insurance is a subsidiary of Farmers Insurance that offers auto insurance policies in several states. The company provides free 24/7 roadside assistance to its customers and offers extra coverage options like comprehensive coverage, collision coverage, and rental reimbursement. While 21st Century offers competitive rates for drivers with clean records, it is more expensive for those with accidents on their records. The company has received a high number of complaints regarding its claims handling and customer service, with customers reporting long wait times and issues with policy cancellations. Overall, 21st Century is a decent option for those seeking basic insurance with mid-range prices, but its customer service and discounts offerings could be improved.

21st Century Insurance offers free 24/7 roadside assistance to all its auto insurance customers

The 21st Roadside Assistance program offers a range of services to help drivers in the event of a breakdown or other roadside emergency. These services include:

• Towing: 21st Century will cover the cost of towing your vehicle to a nearby repair shop or other location.
• Winching: If your car is stuck in mud, snow, or other hazards, 21st Century will cover the cost of winching services to get your vehicle back on the road.
• Locksmith services: In the event that you lock your keys inside your vehicle, 21st Century will cover the cost of a locksmith to help you gain access to your car.
• Flat tire assistance: 21st Century will assist you in changing a flat tire, although you may need to cover the cost of a replacement tire.
• On-site mechanical adjustments: The company provides coverage for a mobile mechanic to make minor repairs or adjustments to your vehicle.
• Battery jump-starts: If your car battery dies, 21st Century will send someone to jump-start your car and get you back on the road.
• Gas delivery: In the event that you run out of gas, 21st Century will cover the cost of fuel delivery (excluding the cost of the fuel itself).

It's important to note that the 21st Roadside Assistance program has some limitations and exclusions. The service is limited to five service calls per vehicle per calendar year, and it does not cover motorcycles or "stored" vehicles. Additionally, the program only covers labor costs, and any parts or supplies (such as tires, batteries, or fuel) are not included.

Overall, the 21st Roadside Assistance program provides valuable peace of mind to 21st Century Insurance customers, knowing that help is just a phone call away in the event of a roadside emergency. This complimentary service adds to the appeal of 21st Century Insurance as a choice for auto insurance, especially for those who value convenience and cost-effectiveness.

The company has a high rate of complaints relative to its premiums written

21st Century Insurance has a high rate of complaints relative to its premiums written. The company's NAIC rating is 2.14, which means it has received a lot more complaints than the average car insurance provider of its size. The National Association of Insurance Commissioners (NAIC) gave 21st Century a Complaint Index rating of 2 1/2 times the national median, indicating that there are nearly three times more complaints against this company than the average company. The Better Business Bureau (BBB) gave the company an A+ rating, which rates how the company responds to customer concerns.

The high number of complaints against 21st Century Insurance is mainly related to claims handling and unsatisfactory claims settlements and offers. Customers have reported issues with the company's poor customer service, long wait times when calling, and difficulties with the claims process. There have also been complaints about quick cancellations of policies after missed payments, with the time between a missed payment and policy cancellation sometimes being as short as a few days.

In addition to the high volume of complaints, 21st Century Insurance is also more expensive for drivers with accidents on their record. The company's rates for full coverage were found to be 16% more than the average, a difference of $609 per year. Even with minimum coverage, 21st Century was 11% more expensive than average.

21st Century offers slightly better-than-average rates for full-coverage car insurance

21st Century Insurance, now part of The Farmers Group of Insurance Companies, offers slightly better-than-average rates for full-coverage car insurance. The company, founded in 1958, is based in Wilmington, Delaware, and provides car insurance policies for residents of all 50 states. However, its car insurance policies are only available in California.

21st Century offers standard auto insurance coverages, including bodily injury liability, property damage liability, uninsured/underinsured motorist, collision insurance, and comprehensive coverage. In addition, it provides free 24/7 roadside assistance to all its auto insurance customers.

When it comes to pricing, 21st Century ranks 33rd out of 46 insurers in WalletHub's cost comparison. Its full-coverage car insurance costs $4,672 per year on average, which is slightly better than average. However, it is more expensive for drivers with accidents, with full coverage costing 16% more than the average, a difference of $609 per year.

While 21st Century offers good rates for drivers with clean records, it falls short in terms of customer service. It has received a high number of complaints, with a National Association of Insurance Commissioners (NAIC) Complaint Index rating of 2.5, indicating that it has received significantly more complaints than the average car insurance provider of its size. Common issues in the complaints include poor customer service, delays in paying claims, and quick cancellations after missing payments.

Overall, 21st Century Insurance is a basic insurance company with mid-range prices. While it scores well for transparency and its claims process, it falls short in categories like customer service and discounts offered.

21st Century sells antique or classic car insurance coverage

21st Century Insurance, now known as Toggle, offers antique and classic car insurance coverage for vehicles that meet specific requirements. The company was founded in 1958 and is currently only available in California.

To qualify for the Antique/Classic Auto Insurance Program, vehicles must be at least 19 years old and meet the following criteria:

• Factory original specifications with minimal changes
• In good or restored condition
• Kept in a fully enclosed, locked garage
• Used primarily as hobby vehicles for exhibitions, club activities, parades, etc.

The program also has requirements for applicants and operators listed/insured on the policy, including a minimum age of 25 and a good driving record.

In addition to antique and classic car coverage, 21st Century offers standard auto insurance coverages such as bodily injury liability, property damage liability, and uninsured/underinsured motorist protection. The company also provides complimentary roadside assistance and rental reimbursement coverage.

21st Century has a decent service reputation, with MoneyGeek rating both its customer satisfaction and customer complaints average

21st Century Insurance, now known as Toggle, has received mixed reviews for its customer service. While some customers have praised the company's claims-handling process and reliable roadside assistance program, others have complained about long wait times, poor customer service, and issues with claims and quick cancellations.

However, according to MoneyGeek, 21st Century has a decent service reputation, with the company rating both its customer satisfaction and customer complaints as average. This suggests that the company's customer service may have improved or that there are varying experiences among customers.

In terms of pricing, 21st Century offers rates that are slightly better than average, especially for drivers with clean records or a DUI. However, the company becomes more expensive for drivers with accidents on their records. Additionally, 21st Century does not offer as many discounts as some of the larger national insurers, and it may be more expensive for drivers who could benefit from profession-based or defensive driving course discounts.

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