Last Updated: 04/18/2025
21st Century Auto Insurance
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Last Updated: 04/18/2025
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21st Century Auto Insurance Review
21st Century Insurance is a car insurance carrier based in Wilmington, DE. The insurance company was founded in 1958 and offers car insurance in 2 states in the USA.
If you're considering whether 21st Century auto insurance is a good option for you, read on.
21st Century auto insurance Pros & Cons
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21st Century auto insurance FAQ
What types of car insurance coverage options does 21st Century auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does 21st Century auto insurance have roadside assistance?
No, 21st Century Insurance does not have roadside assistace.Does 21st Century auto insurance offer ridesharing insurance?
No, 21st Century auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does 21st Century auto insurance offer?
21st Century auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does 21st Century auto insurance offer?
When you ask for an insurance quote with 21st Century auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: 21st Century auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with 21st Century auto insurance.
How does 21st Century Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and 21st Century Insurance is no exception. However, you can be confident that 21st Century auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does 21st Century auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a 21st Century auto insurance insurance quote
- Visit the 21st Century Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.