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21st Century Auto Insurance

in Auto Insurance from 21st Century Insurance

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21st Century Auto Insurance

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in Auto Insurance from 21st Century Insurance

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A

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
Pros Cons
  • 24/7 Phone availability
  • Digital claims reporting
  • Emergency roadside assistance
  • Rental car coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • No free policy cancellation
  • No locally available agents
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
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. 21st Century auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

21st Century auto insurance customers can also add the following riders or endorsements to their insurance policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
  • Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

Does 21st Century auto insurance have roadside assistance?

Emergency Roadside Service available. Yes, 21st Century Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

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.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Message From 21st Century Auto Insurance

You cannot predict the future, but you can be prepared with auto insurance for the vehicles in your household. In most states, it is mandatory that drivers have at least minimum coverage auto insurance, which is why it's important to find out your state's minimum requirements. But many drivers choose more than the minimum coverage requirements in order to protect themselves to a greater degree. Simply put, auto insurance is a safety net. It is a contract that you have with an insurance company in which you agree to pay a premium, and in the event of an accident, the company agrees to pay for your covered damages, as outlined in your specific insurance auto policy. It is important to familiarize yourself with the terms 'premium' and 'deductible' when shopping for auto insurance.

An insurance premium is the amount of money your insurance company charges you for a certain policy. Your deductible is the amount of money that you are responsible for paying when damages occur as the result of an accident. For example, if you have $500 in damages as the result of an accident and a $100 deductible on your auto policy, you are responsible for paying $100 of the total damages. If you are responsible for causing an accident or damage to other vehicles, your insurance generally covers the costs of repairs, legal fees and medical coverage for those who suffered injuries in the accident. Insurance policies also cover costs incurred when your car is stolen or vandalized.

Availability

  Available in 2 states
  • California
  • Hawaii

Feature Breakdown

Policy Discounts
  • Advance Purchase / Early Shopper
  • Affinity Relationship
  • Claims Free
  • Defensive Driver / Safety Course
  • Full Payment
  • Good Credit
  • Good Student
  • Multiple Policy
  • Multiple Vehicles
  • Paperless Billing / e-billing
  • Senior
  • Young Driver Training
Vehicle and Equipment Discounts
  • Alternative Fuel / Hybrid
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Daytime Running Lights
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A
Carrier Features
  • 24/7 Phone Availability
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

21st Century Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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