21st Century Insurance is part of the Farmers Insurance Group and specializes in car insurance. With the exception of their call center which received a high rating for several consecutive years, they were given an average score for most services in the 2014 auto insurance Purchase Experience Ratings by J.D. Power. They do come across as a middle-of-the-road insurance company, with average pricing and benefits. However, there are several exceptional benefits that this insurer provides which can really benefit you as a driver, and I'm going to list them here.

Features We Like

21st Roadside Assistance ™ Program. If your car is insured with them, you get 24 hour roadside assistance and towing at no extra cost. Coverage for labor and towing is provided up to certain limits which are higher or lower depending on your policy. Note that if spare parts are needed, you will have to pay for these yourself. Still, this service is great added value, as the going rate for this kind of roadside assistance is $60 - $90 and you get it free.

Online claims reporting means you can submit a claim at any time of the day.

Farmers Circle of Dependability Program. If you have your car repaired at a participating workshop, the quality of their repairs (not the parts themselves) will be guaranteed for as long as you own your car. Of course, you can have your car repaired in any other workshop, but you won't get this guarantee from them.

Coverage Details

Car insurance. Apart from providing roadside assistance, 21st Century makes your life easier by offering eSignature digital signing services in most states. This means you can handle legal documents quickly online instead of using snail-mail. As with other car insurance providers, you may get discounted rates if:

  • You successfully complete a defensive driving course
  • Your car has anti-lock brakes
  • Your car has airbags installed
  • You insure more than one car with them
  • You keep an accident-free driving record

21st Century Insurance offers solid policies to car owners. You can get discounts if your car includes safety features and if you stay accident free. Its roadside assistance provides added value to your policy, and can save you a lot of trouble if you get stuck. This insurance will appeal to you if you're looking for a good basic car insurance at a reasonable price.