Options Offered by 21st Century Auto Insurance

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Here's what you need to know...
  • 21st Century provides most of the regular insurance coverage available as well as additional coverage options
  • 21st Century does not offer insurance options for specialty vehicles such as ATVs or boats
  • 21st Century offers affordable insurance plans and has a positive financial stability rating

21st Century offers many of the same car insurance coverage options that you will find from any insurance company. These options include:

  • bodily injury liability
  • property damage liability
  • collision
  • comprehensive
  • uninsured/underinsured insurance

As for the deductible options with 21st Century, their website mentions both a $500 deductible and a $1000 deductible.

However, it is possible that the company offers more options because it says you should speak to an agent for more information.

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Does 21st Century offer any additional add-ons?


21st Century does offer an additional add-on that you may want to consider. This addition is called the 21st Century Security Advantage Program.

The Security Advantage Program combines:

  • 24-hour roadside assistance
  • 24-hour emergency travel assistance
  • 24-hour emergency medical assistance
  • Identity theft restoration service

According to 21st Century, this program is offered at no additional charge for anyone who has a car insurance policy with the company. 21st Century also claims that every driver listed on your policy receives these benefits as well.

The downside to this program is that you can only use the service five times per calendar year.

However, none of this coverage applies to any vehicle that isn’t on the road when the emergency occurs. If you get into your car in the morning and it doesn’t start, then you are going to have to pay for your own tow.

You can also purchase for your policy is towing and labor coverage which will ensure that your vehicle can be towed if you break down in your own front yard.

The labor coverage is only in relation to any labor that occurs while you are on the road. For example, if you get a flat tire and you call for help, the insurance company will pay the labor charges for changing the tire.

Gap coverage is another add-on that you might want to consider. Gap insurance covers the difference in cost between the value of your vehicle and what you owe on your vehicle if it is totaled in a car accident.

While gap coverage is inexpensive, there are limitations. For example, your vehicle has to be less than five years old to qualify. In addition, 21st Century only offers gap coverage in certain areas.

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Does 21st Century cover my specialty vehicles, such as ATVs and boats?

If you were thinking about combining your car insurance policy with a policy for your boat or ATV to save money, you are in for a disappointment.

21st Century does not cover these types of vehicles.

However, you can purchase insurance for any trailers that you use to haul these types of vehicles around, such as a boat trailer.

21st Century also offers policies for:

How do 21st Century premiums compare?


21st Century is considered to be an affordable car insurance company. In terms of how it compares to other companies, it is hard to say because so much depends on your personal information.

Another thing that you will want to consider is the financial stability of the company.

A company with affordable rates isn’t enough; it needs to be able to pay its claims as well.

In the case of 21st Century, the company has an A rating from both A.M. Best and Standard & Poor’s, both of which are premier financial rating companies.

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