21st Century Premier Insurance Company Review (2024)
21st Century Premier Insurance Company, a reliable safeguard in life's uncertainties, offers a diverse range of tailored coverage options, providing comprehensive protection and peace of mind to cherished clients.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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21st Century Premier Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Customizable coverage plans to suit individual needs
- Swift and hassle-free claims processing
- Competitive premiums and flexible payment options
- Round-the-clock customer support for assistance anytime
- Strong financial stability and excellent A.M. Best rating
Cons
- Limited availability in certain states
- Fewer discounts compared to some competitors
- Online-focused services might not appeal to all customers
- Limited options for specialized coverage types
Amidst life’s uncertainties, 21st Century Premier Insurance Company stands as a reliable protector, offering a wide range of tailored coverage. From safeguarding vehicles and homes to ensuring health and securing futures, their comprehensive options form a holistic safety net.
With a customer-centric approach, competitive rates, and a stellar A.M. Best rating, 21st Century shines as a trustworthy insurance provider, providing both protection and tranquility to its cherished clients.
21st century insurance Insurance Coverage Options
Prioritizing what holds value is essential. Welcome 21st Century Premier Insurance Company, providing an array of coverage options tailored uniquely for you. Whether for your vehicle, home, health, or family’s future, their comprehensive insurance solutions instill the sought-after assurance.
Let’s explore 21st Century’s extensive coverage options, providing protection and peace of mind across various aspects of your life and assets:
Auto Insurance:
- Liability coverage: This foundational coverage helps pay for injuries and property damage if you’re at fault in an accident.
- Collision coverage: Covers the cost of repairs to your vehicle after a collision, regardless of fault.
- Comprehensive coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Steps in when the at-fault driver is uninsured or lacks sufficient coverage.
- Personal injury protection (PIP): Helps cover medical expenses and related costs for you and your passengers.
- Medical payments coverage: Assists with medical bills resulting from an accident, regardless of fault.
- Rental car reimbursement: Covers the cost of a rental car while yours is being repaired due to a covered incident.
- Roadside assistance: Provides help for common breakdowns, like flat tires or dead batteries.
Home Insurance:
- Dwelling coverage: Protects the structure of your home against covered perils like fire, wind, and hail.
- Personal property coverage: Covers your belongings, including furniture, electronics, and clothing, against theft, damage, and more.
- Liability coverage: Helps protect you legally and financially if someone is injured on your property.
- Additional living expenses coverage: Pays for temporary housing and living expenses if your home becomes uninhabitable.
- Other structures coverage: Covers structures on your property, like sheds or fences.
- Medical payments to others: Covers medical expenses if a guest is injured on your property, regardless of fault.
- Identity theft protection: Helps with the costs of recovering from identity theft, including legal fees and lost wages.
Health Insurance:
- Health maintenance organization (HMO) plans: Require members to choose a primary care physician and get referrals to see specialists.
- Preferred provider organization (PPO) plans: Offer more flexibility to see out-of-network doctors and specialists.
- Exclusive provider organization (EPO) plans: Combine elements of HMO and PPO plans, with lower costs for in-network care.
- Point of service (POS) plans: Similar to HMOs but allow limited out-of-network care with a referral.
- High deductible health plans (HDHPs): Feature higher deductibles and are often paired with Health Savings Accounts (HSAs).
- Health savings accounts (HSAs): Allow you to save pre-tax money for medical expenses.
- Prescription drug coverage: Helps cover the cost of prescription medications.
- Preventive care coverage: Includes regular check-ups, vaccinations, and screenings to keep you healthy.
Life Insurance:
- Term life insurance: Provides coverage for a specific term, often with lower premiums.
- Whole life insurance: Offers lifelong coverage with a cash value component that grows over time.
- Universal life insurance: Combines a death benefit with a savings component that earns interest.
- Variable life insurance: Allows you to invest the cash value in various investment options.
- Survivorship life insurance: Insures two people and pays out after both have passed away.
- Accidental death and dismemberment (AD&D) coverage: Offers a benefit if you die or are seriously injured in an accident.
- Living benefits options: Allows you to access a portion of the death benefit if you’re diagnosed with a terminal illness.
- Cash value accumulation: Some policies build a cash value that can be borrowed against or withdrawn.
These coverage options are designed to provide a comprehensive safety net, offering the necessary protection for various aspects of your life and assets.
Read more: What is a survivorship life insurance policy?
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21st century insurance Insurance Rates Breakdown
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| Driver Profile | 21st Century Premier | National Average |
|---|---|---|
| Clean Record | $90 | $119 |
| 1+ Ticket | $120 | $147 |
| 1+ Accident | $140 | $173 |
| DUI | $180 | $209 |
| Poor Credit | $155 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
21st century insurance Discounts Available
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| Discount | 21st Century Premier Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 15% |
| Low Mileage | 10% |
| Paperless | 5% |
| Safe Driver | 20% |
| Senior Driver | 10% |
Alongside comprehensive coverage, 21st Century Premier Insurance Company offers an array of discounts to make your insurance experience even more rewarding. These discounts help you save while ensuring you have the protection you need. Here are some ways you can maximize your benefits:
- Multi-Policy Discount: Bundle multiple policies, such as auto and home insurance, for extra savings.
- Safe Driver Discount: Enjoy reduced rates if you have a clean driving record.
- Good Student Discount: Students with good grades can qualify for lower rates.
- Safety Features Discount: Vehicles equipped with safety features may lead to reduced premiums.
- Home Safety Features Discount: Homes with security systems and safety enhancements are eligible for savings.
- Multi-Car Discount: Insure multiple vehicles under one policy to unlock discounts.
- Paperless Billing Discount: Opt for paperless billing and contribute to a greener environment while saving.
- Renewal Discount: Stick with 21st Century for the long run and enjoy renewal discounts.
These discounts not only make your insurance more affordable but also reflect 21st Century’s commitment to rewarding responsible behavior and customer loyalty.
Read more: Top Auto Insurance Provider for Owners of Multiple Cars
How 21st century insurance Ranks Among Providers
In the bustling world of insurance, 21st Century Premier Insurance Company stands as a prominent player. However, it’s essential to recognize its main competitors, each contributing their unique strengths to the industry. As you explore your options, here are some of 21st Century’s noteworthy contenders:
- Geico: Known for its humorous advertisements and competitive rates, Geico is a major player in the insurance scene. With a strong online presence and a wide range of coverage options, Geico is a direct competitor to 21st Century.
- State Farm: As one of the largest insurers in the U.S., State Farm boasts a vast network of agents and a comprehensive lineup of insurance products. Its personalized approach and emphasis on customer service put it in direct competition with 21st Century.
- Progressive: With its innovative Flo-led marketing campaigns and a focus on technological advancements, Progressive appeals to tech-savvy consumers. Their Snapshot program, which rewards safe driving habits, creates a unique competitive edge.
- Allstate: Allstate’s emphasis on personalized coverage and its dedicated agent network make it a strong contender. Its wide array of insurance options and accessible customer service make it a go-to choice for many.
- Liberty Mutual: Known for its wide range of coverage options and strong customer service, Liberty Mutual competes by offering customizable policies to fit individual needs.
While 21st Century Premier Insurance Company has carved its place with unique features and offerings, these competitors contribute to the dynamic landscape, ensuring customers have a range of options to consider based on their preferences and priorities.
Read more:
- 21st Century Auto Insurance Review
- 21st Century Casualty Company Review
- 21st Century Insurance Company Review
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21st Century Premier Insurance Company Claims Process
Ease of Filing a Claim
21st Century Premier Insurance Company offers a straightforward claims process, making it easy for policyholders to file claims. They provide multiple channels for claim submission, including online, over the phone, and through mobile apps.
This flexibility ensures that customers can choose the method most convenient for them, whether they prefer the convenience of a mobile app or a more traditional phone call.
Average Claim Processing Time
One of the critical aspects of any insurance company’s performance is the speed at which they process claims. While specific processing times may vary depending on the nature of the claim, 21st Century Premier Insurance Company is known for its efficient claim processing.
Customers often experience relatively quick turnaround times, which can provide peace of mind during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. 21st Century Premier Insurance Company has received positive feedback from its customers regarding claim resolutions and payouts.
This indicates that policyholders are generally satisfied with how the company handles their claims, including the fairness of settlements and the overall claims experience.
21st Century Premier Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
21st Century Premier Insurance Company offers a feature-rich mobile app that enhances the customer experience. The app provides policyholders with the ability to manage their insurance policies on the go.
Users can access policy information, make payments, and even file claims directly from the app. The user-friendly interface and convenient features make it a valuable tool for policyholders.
Online Account Management Capabilities
In addition to the mobile app, 21st Century Premier Insurance Company offers robust online account management capabilities. Policyholders can log in to their accounts through the company’s website to access policy details, make updates, and review billing information.
The online portal provides a convenient way for customers to stay informed and in control of their insurance policies.
Digital Tools and Resources
To further assist policyholders, 21st Century Premier Insurance Company provides a range of digital tools and resources. These resources include educational materials, FAQs, and calculators that help customers understand their insurance needs better.
By offering these digital tools, the company empowers its customers to make informed decisions about their coverage. These digital and technological features demonstrate 21st Century Premier Insurance Company’s commitment to providing modern, convenient, and efficient services to its policyholders.
Frequently Asked Questions
What types of insurance does 21st Century Premier Insurance Company offer?
21st Century provides auto, home, health, and life insurance, catering to a wide range of coverage needs.
Can I bundle multiple insurance policies with 21st Century for a discount?
Yes, the company offers a multi-policy discount when you bundle different insurance policies, helping you save on premiums.
How does the claims process work with 21st Century Premier Insurance Company?
The claims process is streamlined and efficient. Log in to their portal, provide details, and track progress in real-time.
What sets 21st Century’s health insurance apart?
They offer various plan options, including HMOs, PPOs, and HDHPs, along with health savings accounts for added flexibility.
Does 21st Century Premier Insurance Company offer discounts for safe driving?
Yes, they offer a safe driver discount for those with a clean driving record, promoting responsible driving habits.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Victor Burgos
21st century insurance review
Crisssy_
Horrible insurance carrier
Andie_Alcantar
Crapy n expensive
BruP
Not Responsive at all.
acalord
No the same company it was now that Farmers has taken it ove
hmegens1941
HM 21st Century review
naq71
No price matching/Nothing for loyal customers
Mometh bousso
21st Century Insurance review
spicy77
Incessant rate increase make 21st Century a poor choice.
mikedupont
21s century company review