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If you live in California and are looking for standard auto insurance then 21st Century may be a good option for you. Its online and mobile app features are very easy to use and are great for people who do not care to meet with an insurance agent in person. Additionally, you may be able to lower the cost of your premium if you qualify for one or more of its driver and vehicle discounts.
21st Century offers the following types of insurance.
Bodily Injury Liability
Bodily injury liability covers the medical expenses, lost wages or income, pain, and even funeral expenses for people injured in an accident where you are at fault. It is normally required in most states.
Property Damage Liability
Property damage liability covers the cost of repairs for another person’s property or vehicle if you are responsible for causing an accident. Like bodily injury liability insurance, it is usually required in most states.
Collision Coverage
If you are in an accident with another vehicle, collision coverage pays for damage to your car even if you are at fault for the accident. You can purchase this additional coverage to help pay for repair costs greater than your out-of-pocket deductible amount.
Comprehensive Coverage
Comprehensive coverage can help you pay for the cost of repairs in the event that your car is damaged in a non-collision incident. These can include damage caused from theft, vandalism, storms, falling objects, natural disasters, or accidents involving animals.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you and passengers in your vehicle if you are in a collision with an uninsured or underinsured motorist and you are not at fault. This coverage can help pay for medical bills and related expenses you or your passengers incur as a result of the accident.
In addition to standard coverage, 21st Century offers several additional features. With extended transportation expense coverage, or rental reimbursement, you can get from $30-$50 per day for 30 days to help cover the cost of a replacement vehicle if your car is disabled for more than a day due to a covered auto accident.
If you insure a vehicle with 21st Century, you automatically receive 24/7 roadside assistance through the 21st Roadside Assistance Program. It also offers several discounts that can lower the cost of your insurance premium, including a good driver discount, good student discount, mature driver discount, multi-car discount, and anti-theft discount.
The 21st Century mobile app, which is available for iOS and Android devices through the Apple and Google Play stores respectively, allows you to manage your policy and make payments wherever you are. 21st Century also provides specific coverage if you wish to insure an antique or classic car.
Currently, 21st Century only sells auto insurance coverage in California. If you live outside of California, its website and agents will route you to Farmers® Insurance to get a quote for coverage.
To get a quote online, simply enter your ZIP code on 21st Century’s homepage. Alternatively, contact a sales agent over the phone during normal business hours. You will need to provide personal information about each driver you wish to cover as well as information about your vehicle condition.
With 21st Century, you can file a claim either online or over the phone. The claims department is open 24/7 to take your report. To file a claim, you will need to provide your policy number, name, date of the incident, and approximate time of the incident.
Once you have reported your claim, 21st Century will forward the details to an adjuster in your area. An adjuster will then reach out to you within 48-72 hours to schedule a time to evaluate the damage to your vehicle.
You can contact 21st Century customer support via phone from 7AM-7PM PT Monday-Friday, and 7AM-6PM PT on Saturday at 1-877-401-8181. If you are calling to get a quote, sales support is available from 8AM-8PM PT Monday-Friday, and 8AM-6PM PT on Saturday at 1-877-310-5687.
Best of all, 21st Century offers 24/7 phone support for claims. It also provides chat support during normal business hours.
Alternatively, you can email general questions to service@21st.com or claim inquiries to myclaim@21st.com.
For over 60 years, 21st Century has provided auto insurance to motorists in California. Every vehicle you insure receives roadside assistance at no additional cost. You can also qualify for a number of discounts to lower the cost of your insurance premium. If you are in an accident, 21st Century has you covered with 24/7 claims support. Finally, it’s simple to manage your policy and make payments using the 21st Century mobile app.