21st Century Car Insurance
21st Century Insurance, a company owned by the Farmers Insurance Group, offers some solid auto insurance options, even when it comes to specialized insurance like antique cars and motorcycles.
Founded in 1958, it has ample experience in providing customers with excellent service through 24/7 claim services and online access. In addition, it earned the distinction of being the top ranked insurance provider in website responsiveness by KeyNote.
21st Century Car Insurance Policy Benefits
There are a wide variety of benefits you can receive with a car insurance policy from 21st Century Insurance, here is a look at some of the perks:
- Like many top auto insurance companies, 21st Century offers different policies based on individual state laws. Some interesting optional policies include rental reimbursement (if your car is not drivable because of an accident, the rental will be covered) and roadside assistance.
- You have online access to your account; this allows you make any changes to your policy, print documents and make payments with ease. You can also file claims online and should you have any questions or need assistance, you can contact the provider 24 hours a day, seven days a week for claims service.
How to Apply for a Policy
You can apply for a policy in numerous ways through its website, mobile application or via phone during operating hours. If you elect to receive a quote through its website, it touts expedience, as you should be able to fill out everything and receive your quote in seven minutes.
Moreover, once you do this, you'll have the option to buy your insurance online, leading to a quicker process than if you had to visit an independent agent to complete your application. Once you make payment, you'll have access to all your insurance documents, including your ID cards.
Similar to other providers, you also have the option to save a quote. This is great in if you decide to return later to purchase a policy, you won't have to go through the application process again.
Meanwhile, if you opt to buy your policy over the phone, it's important to have basic information on hand such as your driver's license number, your address and lender requirements on your vehicle (if applicable), as some creditors require the borrower to have a lower deductible on insurance policies.
Benefits of Going with 21st Century Insurance
21st has a reputation for being very user friendly and accessible. Their claims service, offering 24/7 online support, has earned them accolades in the industry from customers and publications. Though, claims services are available online and on the phone, phone service in not available 24/7. Their website and tools allow you to quickly manage your policy with ease. However, their site requires you to enter in your information when you click to see specific information; they also offer many resources in the way of general insurance information.
The provider also touts substantial savings you might qualify for. On its website, it states the national average of people saved annually by switching to 21st Century Insurance was $522. Now it's important to note that your factors such as driving history will play a pivotal role in how the provider determines costs.
Drawbacks to Using 21st Century Insurance
While you can have support online and for claims service 24 hours a day, seven days a week, the same doesn't extend to phone support. Unlike providers such as Esurance, who has customer service available at all hours, 21st Century Insurance does not. This means if you have any questions on your policy and you want to speak with someone, you'll have to do so during its normal hours of operation.
Additionally, 21st Century is like other providers in that its coverage options are compliant with state laws. This results in different coverage options available, depending on your state of residency. You can contact the provider to learn more about the coverage options available where you live.
Tools and Education 21st Century Insurance Offers
On the bottom of its homepage, 21st Century Insurance has links to many helpful resources, which touch on a wide variety of car insurance topics. Included in this are items such as, "What are car insurance deductibles?" and buying guides on how to purchase car insurance online.
When you click on an article, it takes you to the car insurance information center. This is an excellent resource because it provides in-depth articles, which list practical tips on car insurance topics and links to other informational pieces. There's also an archive where you can access other educational resources to aid you in learning more on car insurance.
The provider also offers expert tips on safe driving. This is a helpful section that touches on the key habits to adopt that way you can qualify for the best rates. Overall, the educational resources offered by 21st Century Insurance are easy to access, have ample information and will help you to learn all you need on safe driving and car insurance.
Customer Service with 21st Century Insurance
As noted previously, the provider has 24/7 support online and for claims service. For phone, it has numbers set up for specific services such as doing an insurance quote, assistance with your current policy or if you need to file a claim. You can access these numbers by visiting its website.
Another unique way to reach out to is through social media platforms. 21st Century Insurance has Twitter and Facebook accounts, both of which give you the ability to contact the provider should you have anything you need assistance on. By following its accounts, it is also a great way to receive new information and tips from the provider.
Verdict - Very Good
21st Century Insurance is another solid choice for auto insurance especially if you are looking for some quick, simple and accessible customer service. Be sure to check if 21st Century's policies are available in your state, which you can do by visiting its website or contacting the provider.