Earning Discounts Through AIG Car Insurance

AIG car insurance was sold to Farmers Insurance as 21st Century, and AIG now only sells life insurance. 21st Century include (1) safe driving (2) multi-car policies, and (3) good school grades discounts.

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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: Jun 17, 2020

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After the financial collapse of 2008, AIG changed the name of the auto insurance portion of its business to 21st Century Insurance and sold it to the Farmers Insurance Group. The website for AIG Car Insurance now directs customers to the remaining portion of AIG’s business. Although AIG continues to sell life insurance products, the company is being liquidated.

Instead of including information about AIG Car Insurance discounts in this article, we will cover 21st Century Car Insurance discounts.

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As 21st Century products are underwritten by the Farmers Insurance Group, claims are processed and paid expeditiously. Long-time AIG Car Insurance customers have gone through a number of changes in the past few years, but the majority report that they have been able to receive good customer support. New customers have reported that they were pleased with the layout of the website and the ease of purchasing coverage.

How to Get 21st Century Car Insurance Discounts

Because consumers can get online quotes via 21st Century, they will automatically know for which discounts they qualify. For example, you will be asked about the type of anti-theft system you have installed on your vehicles. Having airbags or anti-lock brakes on your vehicle will also give you a discount.

If you live close to your place of employment, the 21st Century Car Insurance Company will reduce your premiums.

Motorists that want to get coverage on multiple vehicles are also eligible to receive discounts. Everything ranging from the color of your vehicles to their makes and models can help you to get a lower rate.

After you receive a quote from 21st Century Car Insurance, you will be able to see how your rate was calculated. This will give you the ability to adjust your quote, make note of the changes in price, and get a rate with which you are satisfied.

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Discounts Offered by 21st Century Car Insurance

Some of the other discounts that are extended to select consumers include safe driving discounts, student discounts, and price breaks on bundled insurance products. If you have successfully completed a defensive driving class, your rates can be discounted by 10% or more. Typically, motorists that have not been involved in any accidents or have received a few tickets are able to qualify for safe driving programs.

Student discounts sometimes have special stipulations. You must be enrolled full-time and maintain a certain GPA in order to get a discount on your car insurance. In addition, motorists that want to receive a student discount will need to send proof of their grades to their insurance agents.

21st Century Car Insurance Quotes

On the 21st Century Car Insurance Company website there is a link that you can follow that will allow you to submit an online car insurance quote application. Although the application form asks dozens of questions, you can save a partially completed application and finish it at a convenient time. You can recall an older quote, or save multiple quotes in order to get the best price.

As you progress through your application, you will see a list of the discounts for which you qualify.

When you get an auto insurance quote with 21st Century, you will not be able to compare your rates directly with competitors. If you are interested in seeing the rates that other car insurance companies will charge you for coverage, you will need to go to an online rate comparison website like this one.

When to Ask for Further Discounts with 21st Century Car Insurance

In some cases, motorists will feel that they should be able to qualify for extra discounts. Sometimes the right questions may not appear on the online quote application form. You can call a 21st Century Car Insurance customer service agent in order to get a car insurance quote over the phone. From there, you can ask specific questions in order to get more information on discounts.

If you were not able to qualify for a discount when you initially purchased coverage, there is always the chance that you will be eligible in the future. Motorists that have anti-theft devices installed on their vehicles, drive safely for a number of years, or move closer to their jobs will automatically receive discounts when they notify 21st Century Car Insurance.

Make sure that you alert your insurance agent of any major changes as soon as they happen.

This will enable you to have your premiums lowered accordingly.

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