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21st Century Car Insurance Review

As a wholly-owned subsidiary of the Farmers Insurance Group, 21st Century Car Insurance could be aptly categorized as a “boutique” auto insurance company. Headquartered in Wilmington, Delaware, the 21st Century Insurance Company had a pool of slightly more than 2 million active auto insurance policyholders as of 2010.

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At 21st Century, “low cost” is the operative catchphrase that underlies and serves to characterize insurance operations with the company promoting the slogan “Same great coverage for less” throughout many of its marketing statements.

The 21st Century Car Insurance Company is well known for being a direct auto insurance company selling and servicing its policyholders through telephone or the company website instead of local agents.

21st Century Insurance Company History

Upon 21st Century’s initial inception in 1958, the company was known as “20th Century Insurance.” AIG acquired the firm in 2005. Subsequently, Farmers Insurance Group bought the company in 2009 and 21st Century is now part of the 3rd largest personal line insurer in America.

At 21st Century, community service is a concurrent commitment to cost-effective auto insurance coverage. This is clearly demonstrated by its extensive philanthropist involvement in the March of Dimes, Special Olympics, United Way, Salvation Army, and many other worthy causes and charitable organizations.

Financial Rating

A.M. Best Company (“Best”) is a widely-recognized definitive source of rating insurers’ relative financial strength and creditworthiness. 21st Century Auto Insurance has been assigned an “A” for overall creditworthiness and economic stability. This grade is considered an excellent comparative ranking for any insurance company. An A.M. Best “A” credit rating denotes that a firm usually honors credit-based obligations promptly and maintains sufficient resources to meet them as they arise.

General Customer Satisfaction

While most customer reviews of the 21st Century Car Insurance Company are positive the company did fall short in the JD Powers and Associates 2010 National Auto Insurance Study, 21st Century Auto Insurance had an average of 3 stars in the Policy Offerings, Billing and Payment, and Pricing categories. The insurer merited an average consumer satisfaction rating of 2 stars in Overall Satisfaction and Contacting the Insurer.

Selection of Policy Offerings

As its name implies, 21st Century Auto Insurance primarily provides automobile-related loss protection however the company also offers many other policy types in its total product line, including:

  • Homeowners Insurance
  • Classic Car Insurance
  • Motorcycle Insurance
  • Flood Insurance
  • Life Insurance
  • and more

21st Century Car Insurance Discounts

There is no explicit reference to specific premium discounts on the 21st Century Auto Insurance website. The insurance carrier does, however, make many peripheral savings available to its customers. Through the 21st Century Advantage Program, policyholders enjoy 24-hour Travel and Medical Assistance, Identity Theft Restoration, and Roadside Service without additional charge. Policyholders can also enjoy deep discounts at major retailers through special coupons available only to 21st Century policyholders.

Is 21st Century Insurance Company Right for Me?

Many factors influence the decision to choose a particular car insurance company. From a company’s reputation to the cost of premiums there is no “best car insurance company” for every single driver. When shopping for car insurance its important to find a car insurance company who can provide you the level of coverage required with affordable rates with a stellar reputation for standing behind policyholders in the event of an accident. 21st Century Car Insurance has a great reputation in the market place and holds a significant share of auto insurance nationwide which makes the 21t Century Auto Insurance group a worthy candidate to compare auto insurance quotes from when you are searching for a new provider.

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