Century 21St Insurance: Activation Timeline And Details

21st Century Insurance is a car insurance company that offers coverage exclusively to drivers in California. The company was founded in 1958 and has been providing insurance products to California residents for over 60 years. 21st Century Insurance is owned by Farmers Insurance Group and has an A+ rating from the Better Business Bureau (BBB) as well as an A financial strength rating from AM Best. The company offers standard auto insurance coverage options, including liability, collision, and comprehensive insurance. One notable feature of 21st Century Insurance is that it provides free roadside assistance to its policyholders, which includes towing and lockout services. However, it is worth noting that the company has received a high number of complaints, particularly regarding claims handling and customer service. Overall, 21st Century Insurance can be a good choice for coverage in California, but there are also some alternative insurance providers in the state that customers may want to consider.

21st Century Insurance: Pros and Cons

21st Century Insurance is a subsidiary of Farmers Insurance Group, offering auto insurance in California. The company was founded in 1958 and acquired by Farmers in 2009.

Pros

21st Century Insurance has a strong financial strength rating from AM Best and is backed by Farmers Insurance. The company offers standard roadside assistance and a mobile app for policy management. Its rates are lower than the California average, and it provides a good range of discounts.

Cons

The insurer has a high number of customer complaints and limited coverage options. It is only available in California, and its mobile app has poor reviews. The customer service and sales departments are also only open during regular business hours.

While 21st Century Insurance may be a good choice for drivers seeking coverage from a local provider in California, it has a high rate of customer complaints and limited coverage types. Most California drivers may find better alternatives with stronger reputations and more comprehensive coverage.

21st Century Insurance: Customer Service Reviews

21st Century Insurance is a small insurance company that only services California. It is a subsidiary of Farmers Insurance Group, which has a high financial strength rating, indicating its historical ability to pay out claims. 21st Century offers standard auto insurance coverage types, such as liability-only policies and full coverage insurance, as well as complimentary roadside assistance. However, its mobile app is rated poorly.

Customer Service Reviews

Customer reviews of 21st Century Insurance are mixed. Positive reviews highlight the company's competitive rates, quick and smooth claims submission process, and long-term customer loyalty. However, there are also several negative reviews citing issues with customer service, agent availability, and communication. Some customers have experienced difficulties making changes to their policies, paying their bills, or reaching the company by phone. There are also complaints about constant rate increases and problems with the mobile app.

Overall, 21st Century Insurance has an average rating of 3.3 to 7 out of 10 stars, with some reviewers recommending alternative insurance providers with better customer satisfaction scores and more coverage options.

21st Century Insurance: Coverage Options

21st Century Insurance is a subsidiary of Farmers Insurance Group, offering insurance products exclusively to residents of California. The company markets itself as a low-cost car insurance provider, with policies that include free perks like roadside assistance.

Coverage Options

Standard Coverage Options

• Bodily Injury (BI) Liability Insurance: Covers the medical expenses for other drivers and their passengers after an accident where you are at fault.
• Property Damage (PD) Liability Insurance: Pays for damages to other drivers' vehicles after an accident where you are at fault.
• Collision Insurance: Pays for damages that occur while your car is moving, either in a collision with another vehicle or a road hazard, or if you flip your vehicle.
• Comprehensive Insurance: Pays for damages to your vehicle caused by animals or natural disasters, as well as repairs or replacement if your vehicle is stolen or vandalised.
• Medical Payments (MedPay): Covers medical bills for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Pays for damages to your vehicle if you're hit by a driver without insurance or insufficient insurance.

Additional Coverage Options

21st Century Insurance offers two additional coverage options:

• Rental Reimbursement: Covers a specified amount per day for a specified number of days for drivers who have been in a covered accident and require a rental car.
• Roadside Assistance: Provides towing, lockout service, and more 24 hours a day. This benefit is included with all auto policies, excluding AAA and OnStar customers.

Discounts

21st Century Insurance offers several discounts to help drivers find affordable premiums:

• Good Driver Discount: For drivers with no tickets or accidents in the last three years.
• Superior Driver Discount: For safe drivers with no tickets or accidents in the past four or five years.
• Good Student Discount: For students who maintain a grade of "B" or better and are under the age of 25.
• Mature Driver Discount: For drivers aged 55 or older who complete a state-recognised defensive driving course.
• Multi-Car Discount: For drivers with multiple cars under the same auto insurance policy.
• Anti-Theft Discount: For drivers with up-to-date anti-theft devices installed in their vehicles.
• Paperless and Autopay Discount: For drivers who enrol in automatic payments and receive insurance statements online.

21st Century Insurance: Discounts

21st Century Insurance offers a range of discounts to its customers, which can be automatically applied when starting a policy. The company provides insurance exclusively for cars, and only in California.

Good Driver Discount

Drivers who have been on the road for at least three years and have no tickets or accidents during that time may qualify for a good driver discount. This could result in savings of 20% or more on their car insurance.

Superior Driver Discount

Drivers who maintain a clean driving record for four or five years may be eligible for the superior driver discount, which offers even greater savings. This discount could save drivers between 10% and 20% on their insurance.

Good Student Discount

Students who are under 25 and maintain a grade of "B" or higher may be eligible for the good student discount. This could result in savings of up to 15% on their car insurance.

Multi-Car Discount

Having multiple cars or drivers under the same policy can lead to additional savings, with an average discount that varies.

Anti-Theft Discount

If a vehicle is equipped with up-to-date anti-theft systems, the driver may be able to save around 15% on their insurance.

Mature Driver Discount

Drivers over the age of 55 can save an average of 2% off their liability coverage by completing a state-approved defensive driving course.

Paperless and Autopay Discount

Drivers who enrol in automatic payments and choose to receive insurance statements online may be eligible for a discount.

21st Century Insurance: History

21st Century Insurance was founded in 1958 by Louis W. Foster as 20th Century Insurance, an inter-insurance exchange offering automobile insurance throughout California. Headquartered in Los Angeles, the company later relocated to Woodland Hills, California. Foster started the company with a one-room office, a secretary, and a modest investment. He marketed auto insurance by phone and mail and insured only good drivers in California. In 2009, 20th Century Insurance was acquired by Farmers Insurance Group and became known as 21st Century Insurance.

Today, 21st Century Insurance is a well-recognized company in California, dedicated to providing customers with high-quality service and coverage options. The company offers standard auto insurance coverage, including liability, collision, and comprehensive insurance, as well as additional coverage options such as rental reimbursement and roadside assistance. While it provides affordable rates for California drivers, there have been some complaints about its customer service and communication issues. Overall, 21st Century Insurance is an average insurance company with high industry ratings but lower customer satisfaction scores.

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