Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
21st Century Insurance is a small agency, currently offering new policies only in California. While 21st Century focuses on bare-bones car insurance, it offers a decent level of customer support and is pretty reliable. Being a part of the Farmers Insurance Group of Companies, 21st Century Insurance can provide you with additional perks - Farmers Circle of Dependability Program offers over 2,200 trusted and efficient repair shops, Catastrophe Teams are available for on-the-scene roadside assistance in case of emergency. They also offer home insurance and other specialty coverages through other licensed insurance carriers.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by 21st Century
|Available Option||What it means|
Mechanical Breakdown Insurance
Covers failure of major vehicular systems, like your engine and transmission. It's similar to an extended warranty from a car manufacturer, but it provides coverage for more systems.
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
Comprehensive Claim Forgiveness
Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.
Antique or Collector Car Insurance
Special insurance for antique and collectors cars.
Protects the cost of fixing or replacing a broken windshield.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe 21st Century has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.
up to 16%
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
up to 30%
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
up to 5%
How does 21st Century compare to other insurance companies? Click the following links below to compare 21st Century to other top insurance companies.