In 1958 21st Century Auto Insurance started by helping customers to obtain quality auto insurance at affordable prices. The company is a part of Farmers Insurance Group of Companies and is considered to be a leader in the United States for home, automobile, and small business insurance. These are only a few of the insurance types that they offer. Farmers Insurance insures more than 10 million customers with over 20 million policies throughout all fifty of the United States. They have over 50,000 agents throughout the country with 24,000 employees.
Since Farmers Insurance has so many companies within their service, they are able to provide more options to their customers. This means more coverage and more affordability to the customers that they care for. All claims by 21st Century Auto Insurance customers are serviced by HelpPoint Claim Services by Farmers. The qualified claims representatives are available to their customers 24 hours a day, 7 days a week. The company also provides a number of easy to use applications for mobile use to make controlling your insurance easier.
21st Century Auto Insurance Reviews
21st Century Insurance BBB Reviews
21st Century Insurance is not BBB accredited. The BBB does rate 21st Century Auto Insurance as an A+. The company has some complaints, but there are few for the size of the business and complaints have been handled appropriately by the business. The BBB rating takes into account specifics such as length of time that the business has been active, how many customers it has served and how many complaints out of those customers have been filed.
21st Century Insurance: Online Complaints
When selecting an insurance company for your needs it is important to take a look at the company as a whole. One way to do this is by checking out any online complaints that exist against the company. Finding out what current and past customers have to say about the insurance company can be enlightening and really help you get a feel for how they treat their customers. The online complaints can also give you information as to where the company might be weak such as product, pricing or customer service.
Since 21st Century Insurance is a part of the Farmers Insurance family they have a good reputation overall. There are several reasons that customers choose 21st Century Insurance as their insurance carrier including these:
- The available coverage through 21st Century Insurance is affordable for most individuals.
- The company is able to offer a wide range of options for policies due to their size and relationship with a larger parent company.
- They offer policies in many locations making it easy to get coverage.
- Available customer service access when it is necessary 24/7.
- Easy access to account information online and through mobile apps.
- Discounts offered for combined coverage and for various situations such as good driving records.
- Over 2,200 repair facilities accessible nationwide for auto repairs.
- Available information accessible through newsletters and email alerts.
While ConsumerAffairs.com provides some negative reviews relating to the customer service and roadside assistance from 21st Century Insurance, CreditKarma.com gives a mid-range rating. The company seems to provide excellent policy options and affordable prices, but seems to lack quality customer service in some situations. Those that provided reviews stated that they felt they waited too long for return phone calls and that they were unable to take advantage of their towing and roadside services. These seem to be the bulk of the complaints and not the rates or the claims.
21st Century Financial Health & Analysis
The insurance company that you choose should be financial sound. This insures that they can cover your claim if you must file one. Since 21st Century Insurance is a part of the Farmers Insurance Group of Companies, they are joined with one of the leading U.S. insurance companies. This large base of customers and agents allows 21st Century Insurance to have access to the assets of the group. They will easily be able to handle the claims that they must process. The financial backing of Farmers Insurance Group of Companies provides them with the ability to protect their customers.
21st Century Insurance Product Reviews:
Homeowners Insurance: One of the biggest purchases you will ever make is that of your home. Having homeowners insurance that can provide you with the coverage that you need is essential. 21st Century offers a wide range of options for those interested in homeowners insurance including a discount of 10% for those that have an auto policy as well, full replacement cost for your home as well as contents, easy online customer service that is available 24 hours a day and a variety of payment options for convenience. If your home is financed your lender may require that you have a homeowners policy and that the policy has a specific amount of coverage for the property. You will want to be sure that you understand the requirements before you get your policy started.
Renters Insurance: Even if you don’t own your home, you want to protect your belongings inside of it. Renters insurance will provide you with coverage for all of your personal belongings against damage, theft and vandalism. This coverage is often required by Landlords for renters of their property. They may have some specific coverage requirements that you will need to be aware of prior to starting a policy. You also want to make sure that you are able to cover everything that you have of value. Taking an inventory of your valuables is an excellent way to start looking for the right policy and coverage amount.
Manufactured/Mobile Home Insurance: Manufactured and mobile homes often have some special coverage needs. They are built differently than other homes and you want to be sure your coverage fits the home. 21st Century Insurance offers these policies to their customers at affordable prices. If you are purchasing your home and financing the property, you will want to be sure that you understand your lender’s requirements with regard to insurance coverage.
Flood Insurance: If your home is located in an area that could flood easily, you will want to consider flood insurance. Not all insurance companies supply this type of coverage. 21st Century Insurance offers flood insurance for your needs at prices that are reasonable. The flood insurance will provide you with the security of knowing you are protected. You will need to discuss the policy carefully with the representative so that you are sure there is coverage in your area.
Auto Mechanical Breakdown Insurance: 21st Century Insurance provides customers with insurance specifically for an automobile breakdown. They will help you with the roadside assistance that you may need if your car breaks down on the road. This policy provides you with coverage on repairs and parts that might not be covered under your current auto warranty. The policy will help you to manage any unexpected expenses if your vehicle should break down. It may also include rental car coverage during the repair period.
Antique Auto Insurance: Collectors of antique cars understand that they have a special value. 21st Century Insurance has an Antique Auto Program. The company will protect your very special antique vehicle so that you feel secure. Since your antique vehicle has a different type of value and can grow over time, the policy will need to be able to handle the change in value. Discuss this with your agent.
PowerSports: Motorcycle and ATV Insurance: Having a great time with your motorsports vehicle such as an ATV or a motorcycle may be an important part of your life. Making sure that you are fully protected both when you are riding and when you are not is essential. 21st Century Insurance provides coverage for towing and roadside assistance as well as transport trailers, safety apparel, helmets and trip interruptions. The coverage is comprehensive and affordable.
Boaters Insurance: Getting out an enjoying the water is excellent, but having the right insurance coverage makes the trip. 21st Century Insurance provides coverage for boaters that help with accidents, breakdowns on the road and on the water, theft and more. The coverage is affordable and can be tailored to fit your specific needs. If you have more than one boat or you travel, you will want to discuss the policies that are available to you.
Personal Watercraft Insurance: Personal watercraft such as jet skis and skidoos can be a lot of fun for the entire family. Making sure that you have the right insurance is important. 21st Century Insurance provides coverage for customers on these types of craft. Some coverage includes towing and assistance if you should need it along the way. If you are financing these items you might find that the lender requires that you have insurance in order to qualify for the financing. There might also be specific coverage limitations that they want you to have.
Personal Umbrella Insurance: In order to protect your assets you may want to invest in personal umbrella insurance. This type of coverage will help if your other policies are not enough in the event of a claim. There are several types of umbrella policies to choose from making it easier to get just what you need. This policy can help you to cover an excess that is due if you get into an auto accident, have a disaster at home, or even pass away without enough life insurance to handle the expenses. You may also find this helpful if you have additional property in your apartment or home and something happens to those items.
Life Insurance: Perhaps the most important insurance type, life insurance is also offered by 21st Century Insurance. They offer a wide range of coverage so that you are able to provide for your family should anything happen to you. The individual life insurance policies offered by 21st Century Insurance go with you regardless of location and your change in jobs. In some cases, life insurance policies can be drawn from before death. You will want to discuss the options with the representative before you decide on a policy type.
21st Century Insurance Rates
Insurance policies are all very different from one individual to the next. It is important that you get the best quote possible before you select the policy for your situation. There are many factors that can completely change the amount of money you will pay for your insurance premium. Some of these things include:
- The type of insurance coverage you need,
- How much coverage you are going to need with your policy,
- Your age and that of the others covered by the policy,
- Driving records of those covered under an automobile insurance policy,
- Property being covered under any of the policies,
- What you want to pay for a deductible for your policy,
- How you plan to pay for the policy,
- Location of the property to be covered by the insurance policy,
- Duration of the coverage that you are looking for,
- Medical history could be a factor if you are purchasing life insurance,
- Value of the property that you are trying to obtain coverage for,
- The amount that you will be able to pay each month, quarterly or annually (you may find a lower price if you can pay for the entire year of premium up front)
Due to the wide range of policies offered by 21st Century Insurance you can make adjustments to get the coverage that fits both your needs and your budget the best. In some cases combining policy types with one insurance company can save you money. For example, having several automobiles and a homeowner’s policy with the same insurance company can be financially beneficial and more convenient. Discuss all of the options with the company that you consider before making your choice and obtain multiple quotes. You may find that it is easier to get a good policy for all of your needs within one company. Additionally, if you stick with one company they may provide you with a discount for your loyalty.