21st Century vs. The General Car Insurance [2021]

Compare 21st Century vs. The General policy features and discounts. 21st Century offers better discounts and automatic roadside assistance. The General specializes in providing SR-22 coverage for high-risk drivers. Compare more details and learn additional information about the differences between these two companies.

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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: Apr 9, 2021

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Here's what you need to know...

  • The General specializes in covering high-risk drivers and provides support with obtaining SR-22 coverage
  • 21st Century offers safe driving, and multi-car discounts, among other types
  • 21st Century customers are automatically enrolled in the 24/7 Roadside Assistance plan

Comparing 21st Century vs. The General insurance is important for anyone looking for car insurance. Reviewing key information on both companies can help drivers decide whether to buy 21st Century vs. The General car insurance.

Each insurance company provides comparable discounts and additional benefits, but the biggest difference between the companies boils down to personal driving history

Insurance companies realize that every driver is different. Companies specify their discounts, services, and rates, to appeal to different customer demographics and driver types.

We’ll compare key points of information for both companies and review additional details. For rates in your location, enter your ZIP code and find out more about quotes in your area before jumping into this 21st Century vs. The General review.

21st Century vs. The General: How do these companies compare for high-risk drivers?

Your driving history and your insurance rates are twined together in the eyes of insurance companies. Rates offered by insurance companies will vary depending on your driving record, particularly if you’ve had speeding violations, DUI infractions, or other high-risk incidents.

Some high-risk factors that heavily affect premium rates with some companies, may be less of a red flag under another company’s policy. It’s always a good idea to carefully review policy rate details for each company to really get an accurate car insurance comparison

The General auto insurance specializes in providing coverage to high-risk drivers who may have had trouble finding insurance coverage through other providers.

SR-22 filings, which are required by certain states for driving eligibility after high-risk incidents, are typically avoided by many insurance companies.

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21st Century vs. The General: What discounts are available?

21st Century insurance provides the following discounts that reward safe driving, in contrast to The General:

  • Safe driver discount: averages 20% or more
  • Superior driver discount: average discount of 10% to 20%
  • Multi-car discount
  • Good student discount: average discount of 15%
  • Mature driver discount: average discount 2%
  • Anti-theft discount: average discount of 15%

Next let’s look at coverage options.

21st Century vs. The General: How do coverage options compare?

The General regularly provides SR-22 coverage options and will work with most drivers to maintain basic liability coverage.

A few other options The General Provides are listed below:

  • Transportation: This coverage option reimburses drivers for expenses incurred while renting a car if your vehicle ends up in an accident covered by the policy. Details vary depending on your vehicle model and make, but you can expect coverage to begin at $20 per day for a period of 30 days.
  • Deductible safety equipment: This deductible waiver is an optional coverage feature, which allows drivers to forgo deductible payments for applicable repairs to safety equipment, like windshields, window, and door glass.
  • Extraordinary medical benefits: Long-term disability requires certain vehicle considerations according to the Department of Justice. This policy option offers up to $1 million in medical care to drivers who opt for $100,000 in medical coverage or combination first-party benefits.
  • 24/7 roadside assistance: This option covers roadside needs, such as battery service, towing, lock-out services, for fluid delivery. The cost of Roadside Assistance service varies by plan.

Comparable coverage options provided by 21st Century include the following:

  • Liability
  • Comprehensive
  • Collision
  • Underinsured motorist
  • Personal injury protection (Up to $10,000)
  • 21st roadside assistance (automatic enrollment)
  • Rental reimbursement (up to $90 per day)
  • Additional equipment coverage

So how can you find and compare rates?

21st Century vs. The General: How do the ratings compare?

The General, part of American Family Insurance, has a current A rating with A.M. Best, indicating excellent financial strength. 21st Century insurance no longer holds a current A.M. Best rating, after a 2010 merger acquisition led to a rating withdrawal, according to Businesswire.

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How can I find 21st Century vs. The General rates in my location?

Now that you have finished this 21st Century vs. The General review, enter your ZIP code now to find quotes in your location and start comparing car insurance rates today.

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