Century Surety Company Review (2024)
Century Surety Company stands as a reliable fortress, offering tailored policies and efficient claims processing to safeguard individuals, families, and businesses.
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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Century Surety Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Diverse range of insurance coverage options
- Personalized policies tailored to individual needs
- Efficient claims processing for swift support
- Strong customer reviews and testimonials
- Extensive network of experienced agents for guidance
Cons
- Limited availability of policies in certain regions
- Some specialized coverage options might have higher premiums
- Online self-service tools could be more comprehensive
In a realm where security and assurance are paramount, Century Surety Company emerges as a reliable fortress, offering a diverse spectrum of insurance solutions to safeguard individuals, families, and businesses.
From comprehensive business liability coverage to safeguarding cherished homes, vehicles, and even cherished pets, Century Surety’s extensive repertoire encompasses a variety of policies tailored to specific needs.
With a reputation built on decades of excellence, Century Surety prides itself on delivering not only vital coverage but also a seamless experience, bolstered by efficient claims processing and a commitment to personalization.
Century Surety Company Insurance Coverage Options
Century Surety Company offers a wide range of coverage options designed to cater to various needs and situations. Whether you’re a business owner, a homeowner, a driver, or someone looking to secure their family’s future, Century Surety has you covered. Here are some of the comprehensive coverage options they provide:
- Business Liability Coverage: Protects your business against legal claims and liabilities, including bodily injury, property damage, and legal costs.
- Property Damage Coverage: This covers damages to your property caused by events like fire, theft, vandalism, and natural disasters.
- Commercial Auto Coverage: Ensures that your vehicles, whether they are cars, trucks, or vans, are protected against accidents, collisions, and other road-related risks.
- Life Insurance Coverage: Offers financial security to your loved ones in the event of your passing, with options for term life, whole life, and universal life insurance.
- Health Insurance Coverage: Helps manage medical expenses by covering hospital stays, medical treatments, prescriptions, and more.
- Homeowners Insurance Coverage: Safeguards your home and personal belongings from damages or losses due to accidents, theft, and natural disasters.
- Renter’s Insurance Coverage: Provides coverage for renters, protecting their personal belongings and liability in case of accidents in their rented space.
- Umbrella Insurance Coverage: Offers an additional layer of liability coverage that goes beyond the limits of your other insurance policies, providing extra peace of mind.
- Professional Liability (Errors & Omissions) Coverage: Specifically designed for professionals, it covers legal expenses and damages in cases where your advice or services lead to financial losses for clients.
- Workers’ Compensation Coverage: Ensures that your employees are protected in case of work-related injuries or illnesses, covering medical expenses and lost wages.
- Flood Insurance Coverage: Provides protection against damages caused by flooding, which is typically not covered by standard homeowners’ insurance.
- Cyber Liability Coverage: Protects businesses from the financial losses associated with data breaches and cyberattacks.
- Boat and Watercraft Coverage: Offers coverage for boats, jet skis, and other watercraft against accidents, damage, and liability.
- Motorcycle Insurance Coverage: Provides protection for motorcycle owners against accidents, collisions, and other risks on the road.
- Pet Insurance Coverage: Covers medical expenses for your pets, ensuring that their health needs are met without causing financial strain.
These coverage options demonstrate Century Surety’s commitment to addressing the diverse needs of individuals, families, and businesses, providing tailored solutions for comprehensive protection.
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Century Surety Company Insurance Rates Breakdown
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| Driver Profile | Century Surety | National Average |
|---|---|---|
| Clean Record | $75 | $119 |
| 1+ Ticket | $113 | $147 |
| 1+ Accident | $146 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $129 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Century Surety Company Discounts Available
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| Discounts | Century Surety |
|---|---|
| Anti Theft | 6% |
| Good Student | 15% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 18% |
| Senior Driver | 7% |
Century Surety Company is not only dedicated to providing comprehensive coverage but also strives to make insurance more affordable for its customers. They offer a range of discounts that can help you save on your insurance premiums while maintaining the high level of protection you need. Here are some of the discounts you may be eligible for:
- Multi-Policy Discount: Save by bundling multiple insurance policies with Century Surety, such as combining your home and auto insurance.
- Safe Driver Discount: If you have a clean driving record and demonstrate safe driving habits, you could enjoy a reduced premium on your auto insurance.
- Good Student Discount: Students who excel academically often qualify for this discount on their auto insurance premiums.
- Home Security Discount: Enhance the security of your home with systems such as burglar alarms and smoke detectors to qualify for savings on your homeowners’ insurance.
- Claims-Free Discount: Maintain a claims-free history, and Century Surety may reward your responsible behavior with a discount on your premiums.
- Renewal Discount: Stay loyal to Century Surety by renewing your policy, and you might be eligible for a discount as a token of appreciation.
- Safety Features Discount: Equip your vehicle with safety features like anti-lock brakes, airbags, and anti-theft systems to earn a discount on your auto insurance.
- Professional Group Discount: If you’re a member of a professional organization or group affiliated with Century Surety, you could enjoy exclusive savings.
- Loyalty Discount: The longer you’ve been with Century Surety, the more you could save with this loyalty-driven discount.
- Pay in Full Discount: Option to pay your annual premium in full instead of installments, and you may qualify for a discounted rate.
- Multi-Car Discount: Insure multiple vehicles under the same Century Surety policy and receive a discount on each car’s premium.
- Good Credit Discount: Maintain a strong credit score, and Century Surety may reward you with a discount on your insurance rates.
- Senior Citizen Discount: Seniors often qualify for discounted rates on various insurance policies to reflect their lower risk profile.
- Affinity Group Discount: Belonging to certain professional or affinity groups can make you eligible for special discounts.
- Safe Boater Discount: If you have completed a boating safety course, you could enjoy savings on your boat insurance.
These discounts make Century Surety’s insurance options even more appealing, helping you balance the cost of protection with your financial priorities. Remember that eligibility for discounts may vary based on factors such as location, coverage type, and individual circumstances.
How Century Surety Company Ranks Among Providers
In the competitive landscape of the insurance industry, Century Surety Company faces several formidable rivals that also offer a range of insurance solutions to cater to diverse customer needs. Here are some of the main competitors that compete with Century Surety:
- Allstate Insurance Company: Allstate is a well-known name in the insurance sector, offering a wide range of insurance products, including auto, home, life, and business insurance. With its extensive network of agents and strong brand recognition, Allstate is a major player in the industry.
- State Farm Insurance: State Farm is another prominent competitor that offers a variety of insurance options, from auto and home insurance to life and health insurance. State Farm is known for its personalized customer service and extensive agent network.
- Geico: Geico is renowned for its direct-to-consumer approach, leveraging its iconic advertising campaigns. It specializes in auto insurance but also offers other coverage types. Geico’s competitive rates and user-friendly online platform make it a strong competitor.
- Progressive Insurance: Progressive is known for its innovative approach to auto insurance, offering features like usage-based insurance and an easy-to-use online quoting system. It has expanded into other insurance categories as well, such as home and renters insurance.
- Liberty Mutual Insurance: Liberty Mutual provides a broad range of insurance solutions, including personal, business, and specialty lines. It emphasizes customer-centric policies and offers various discounts, making it a key contender in the industry.
- Travelers Insurance: Travelers focuses on providing insurance solutions for both individuals and businesses. It offers a wide array of coverage options, including auto, home, and specialty insurance, along with risk management services for businesses.
- Nationwide Mutual Insurance: Nationwide offers various insurance products, including auto, home, life, and pet insurance. It’s known for its flexible policies and unique features like “On Your Side” reviews to ensure customers’ changing needs are met.
- Chubb Limited: Chubb specializes in high-end insurance solutions, catering to affluent individuals and businesses. It offers a range of coverage options, including property, liability, and specialty insurance, often providing tailored policies.
- Farmers Insurance Group: Farmers provides diverse insurance products for both personal and business needs. It’s known for its customizable policies and strong agent network.
- USAA: While primarily serving military personnel and their families, USAA offers a range of insurance and financial services, including auto, home, and life insurance. Its commitment to serving its specific target audience sets it apart.
These competitors, along with others in the industry, contribute to the dynamic landscape that Century Surety Company operates within. Each competitor brings its strengths and unique value propositions, driving innovation and customer-focused solutions across the insurance market.
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Century Surety Company Claims Process
Ease of Filing a Claim
Century Surety Company offers multiple convenient options for filing insurance claims, ensuring that policyholders can choose the method that suits them best. Whether you prefer the ease of online submission, the simplicity of filing over the phone, or the accessibility of mobile apps, Century Surety has you covered.
Average Claim Processing Time
Efficiency is key when it comes to the claims process, and Century Surety Company prides itself on a streamlined approach. On average, they process claims swiftly, providing customers with the support and financial assistance they need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a crucial indicator of an insurance company’s performance. Century Surety Company has garnered positive reviews for their fair and prompt claim resolutions, as well as their transparent and reliable payout practices. Their commitment to customer satisfaction is evident in the testimonials of policyholders.
Century Surety Company Digital and Technological Features
Mobile App Features and Functionality
Century Surety Company’s mobile app offers a user-friendly experience with a range of features and functionalities. From policy management to submitting claims and accessing important documents, the app provides policyholders with a convenient way to stay connected to their insurance coverage.
Online Account Management Capabilities
Managing your insurance policies and accounts online has never been easier. Century Surety’s online account management portal allows customers to review policy details, make payments, and update their information with just a few clicks. It’s a secure and efficient way to stay on top of your coverage.
Digital Tools and Resources
Century Surety Company understands the importance of providing digital tools and resources to assist their customers. From educational resources to help you understand your coverage better to interactive tools for calculating premiums, they offer a comprehensive suite of digital resources to empower their policyholders.
Frequently Asked Questions
How do I know which policy is right for me?
Century Surety’s experienced agents are available to assess your needs and guide you in selecting the best coverage.
How does Century Surety’s claims process work?
Century Surety offers a seamless claims process. Contact their claims team, provide the necessary information, and they’ll guide you through the rest.
Can I bundle different types of insurance with Century Surety?
Yes, Century Surety offers bundle options, allowing you to combine policies like home and auto insurance for potential savings.
Are there discounts available?
Century Surety offers various discounts, such as multi-policy, safe driver, good student, and more. These help make coverage more affordable.
What sets Century Surety apart from its competitors?
Century Surety stands out with its tailored policies, efficient claims processing, and a commitment to personalized service. Their diverse coverage options cater to various needs.
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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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