Discounts From 21st Century Auto Insurance

21st Century car insurance discounts include (1) safe driving, (2) good school grades, and (3) multi-car policies. 21st Century has average car insurance rates of $118.50/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 8, 2021

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Nowadays, everyone is looking to find ways to cut costs. Finding cheaper insurance is just one of the many ways you can save money. Most insurance companies, including 21st Century, offer discounts right off the top of your premium. The average rates for 21st Century car insurance are $118.50/mo.

Type your ZIP code into the tool box now to see how you can save money by comparing car insurance rates!

21st Century is a small subsidiary of Farmers Insurance, offering new policies in California. Most of their auto insurance policies are sold online and over the phone, so this company is best for people who don’t mind not having a personal insurance agent.

Car insurance discounts are always available to individuals that qualify. 21st Century Car Insurance would like to offer you these discounts, too.

Clean Driving Record

Individuals who have no driving infractions like tickets or accidents always receive a discount on their car insurance policy.

Here are some important points to keep in mind as you clean up your driving record. Remember that tickets drop off your record after three to five years, depending on where you live. If you have the chance to take a drivers course to remove points from your license, you should take advantage of this opportunity.

Obeying the law not only saves you money on your car insurance, but it can also save you on repair costs, medical bills, tickets, and attorney fees.

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Car Safety Features

Another discount that is taken immediately off of your insurance premium depends on the safety features in your car. For example, anti-lock brakes and anti-theft devices can save you money. Front and side airbags can also lower your premiums, as well as automatic seat belts.

Electronic Stability Control, also known as ESC, is also being developed and implemented in most new cars. The function controls steering, engine power, and braking when the vehicle is in a skid. Insurance companies will be adding this to their list of eligible discounted safety features.

Higher Deductibles

If you voluntarily ask for a higher deductible on your insurance, insurance companies like 21st Century will automatically lower your premium. Insurance companies are in the business of risk management. The less risk they have to carry, the cheaper your premium is going to cost.

Drivers Education

Not only will 21st Century offer discount for driver’s education courses, but so will many other companies. Driver’s education courses that qualify for discounts are not limited to driver’s education courses offered in high school.

Driver’s education courses are also offered to the elderly. They are commonly called defensive drivers courses and the purpose is to keep older individuals abreast of driving laws and keep their skills sharp.

However, defensive driver courses are available to any individual of legal driving age. The courses can be taken in person, online, or by renting a video or DVD. The only requirement is that it be approved by your state’s Department of Motor Vehicles.

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Good Student Discount

Another way to receive a discount on your policy at 21st Century is to maintain good grades. High school, college, or postgraduate students can ask for a discount if they meet a certain grade point average. The grade point average is usually a 3.0 or higher.

Automatic Payments

21st Century Insurance offers a discount to individuals who sign up for their automatic withdrawal service for insurance payments. You can use a debit or credit card or set up an electronic funds transfer from your bank account.

With the cost of stamps continuing to rise, the automatic payments are an easy way to save money.

Multi-Car Discounts

Insuring all of the vehicles in your house with 21st Century insurance will save you money on your insurance. The discounts vary, but you do receive a discount on each car that is insured with 21st Century.

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Mature Driver Discount

Drivers 55 and older can save an average discount of 2% on auto insurance rates. They’re required to complete a state-recognized defensive driving course. Upon the completion of the course, the driver can provide the certificate of completion to the insurance company to qualify for the insurance discount.

Superior Driver Discount

If you qualify for the safe driver discount, you may also be eligible for the superior driver discount to save on your auto policy. The insurance company will reward you for maintaining a safe driving record for four years and even more for over five years. The average discount is 10%-20%.

Move to the Suburbs

This might sound like an odd recommendation, but moving to the suburbs can actually save you money on car insurance. There is less traffic in the suburbs and this means less of an opportunity to get into an accident.

Additionally, the suburbs are usually a safer place to park a car when it’s not being driven. If you are contemplating on moving to the suburbs, you might want to add this to your reasons to make the move.

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Avoid Certain Vehicles

Certain vehicles are going to cost more to insure at 21st Century Insurance. Sports cars always cost a higher premium, as well as small vehicles. Younger, more reckless individuals tend to drive small cars or sports cars.

Write It Down

The best way to insure you receive all the discounts you qualify for at 21st Century is to write them down before you apply to receive a quote. If you have all the information listed that could grant you a discount you are less likely to forget to mention them.

For over 60 years, 21st Century Insurance has been providing 24/7 customer service, detailed policy coverage options, quality claims service, as well as helpful ways to save money. No matter if you’re an existing or new policyholder, you can expect great coverage and discounts. The company has been serving more than 20 million individual policies across all 50 states.

Enter your ZIP code in the FREE tool box to compare rates with active car insurance providers and see what discounts you qualify for now!

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