Auto Insurance in Chestnut Mound, Tennessee

Auto insurance is a critical aspect of responsible vehicle ownership in Chestnut Mound, Tennessee. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Tennessee.

Understanding Vehicle Coverage in Chestnut Mound

When it comes to vehicle coverage in Chestnut Mound, Tennessee, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Tennessee

Car insurance holds paramount importance in Tennessee, and Chestnut Mound is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Tennessee, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Chestnut Mound, Tennessee involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Tennessee, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Chestnut Mound, Tennessee, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Chestnut Mound Tennessee Auto Coverage

Understanding the intricacies of auto insurance coverage in Chestnut Mound, Tennessee, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Tennessee law, and additional coverage options that residents in Chestnut Mound might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Chestnut Mound have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Tennessee: Every state, including Tennessee, has its own set of minimum auto insurance requirements. In Tennessee, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Chestnut Mound: While meeting the state's minimum requirements is mandatory, many Chestnut Mound residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Chestnut Mound requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Chestnut Mound Tennessee

Affordable Auto Insurance in Chestnut Mound, Tennessee is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Chestnut Mound:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Tennessee, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Chestnut Mound.

Chestnut Mound Car Insurance Rates

Car insurance rates in Chestnut Mound, Tennessee, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Tennessee, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Chestnut Mound, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Chestnut Mound, Tennessee:

Keeping an eye on insurance rate trends in Chestnut Mound is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Chestnut Mound market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Chestnut Mound, Tennessee.

Best Auto Insurance Companies in Chestnut Mound

When it comes to securing the best auto insurance in Chestnut Mound, Tennessee, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Chestnut Mound residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Chestnut Mound Assurance Services

• Why Choose Chestnut Mound Assurance: Known for its local presence and personalized service, Chestnut Mound Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Chestnut Mound Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Chestnut Mound Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Chestnut Mound, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Chestnut Mound, Tennessee

Insuring your vehicle in Chestnut Mound involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Chestnut Mound

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Chestnut Mound residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Chestnut Mound residents.

Tips for Insuring Your Car in Chestnut Mound

Insuring your car in Chestnut Mound, Tennessee, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Tennessee's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Tennessee.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Chestnut Mound becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Chestnut Mound Tennessee

When it comes to securing auto insurance in Chestnut Mound, Tennessee, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Chestnut Mound, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Tennessee's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Chestnut Mound area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Chestnut Mound region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Chestnut Mound:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Chestnut Mound. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Chestnut Mound. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Chestnut Mound not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Chestnut Mound, Tennessee

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Chestnut Mound residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Chestnut Mound, Tennessee, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Chestnut Mound, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Tennessee's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Tennessee. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Chestnut Mound, Tennessee, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Chestnut Mound's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• 21st Century Auto Insurance Review: Ratings and Quotes (2024)

• Exclusive to California, 21st Century offers higher rates than many other area insurers.

• 8 years in insurance and personal finance writing

• Former data scientist for U.S. Geological Survey

• Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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• Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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• Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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• Updated April 29, 2024

• Save up to $717 by comparing quotes from the top 100+ insurance companies

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• We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

• If you live in California, you might have considered 21st Century as an option for car insurance. This company is owned by Farmers Insurance, and its coverage is limited solely to residents of the Golden State.

• You might also find it tough to get any definitive information about how 21st Century auto insurance works. Fortunately, the company offers information on several discounts. Here’s what you should know about 21st Century so that you can determine if you want to consider this insurer for your next car insurance policy.

• 21st Century is considerably more expensive than most other insurers.

• 21st Century used to offer a mobile app, but it’s seemingly no longer available.

• The company’s customer service seems to have taken a significant nosedive, with hundreds of reports of customers being unable to reach anyone at the company in a timely manner.[1]

• How 21st Century stacks up

• Insurify compared 21st Century to other lesser-known insurance companies, including AssuranceAmerica, American Alliance, First Chicago, and Anchor. Although details are also sparse for these options, a few key trends emerged.

• Compared with these insurance companies, 21st Century charges higher rates and is available in a far smaller geographic area (just one state). Customer service availability and ratings, as judged by the number of complaints lodged against each company with the National Association of Insurance Commissioners (NAIC) tended to be roughly similar, however.

• This table shows you how 21st Century stacks up against other similarly sized insurers.

• Average cost of 21st Century auto insurance

• 21st Century charges an average premium of $123 for liability-only coverage and $270 for full coverage in California, the only state where it offers policies.

• This is more expensive than the nationwide average of $104 and $213 per month for liability-only and full-coverage policies. It’s also higher than the statewide average for California, at $125 and $255 for liability-only and full coverage per month, respectively.

• Compare Auto Insurance Companies

• 21st Century’s rates start at $123 per month for liability coverage

• 21st Century Insurance reviews and ratings

• 21st Century may not provide a lot of up-front information that potential customers need to know to make an informed decision, but you can gain a better understanding by looking at outside reviews and ratings.

• 21st Century customer reviews

• Read reviews from verified 21st Century customers.

• Unexpected Rate Increase

• Excellent

• Bad Experience with 21st Century

• Worse Every Time

• 21st Century ratings

• Insurance is an important financial transaction, and that’s why many organizations have come up with rating systems to measure the quality of an insurance company in terms of customer satisfaction and financial strength.

• Here are the most common metrics available for 21st Century:

• AM Best: A (Excellent)

• J.D. Power: Not rated

• S&P: A

• Moody’s: Not rated

• NAIC Complaint Index: 1.86 (higher than average)

• 21st Century car insurance coverage options

• Unfortunately, 21st Century doesn’t provide any definitive information about the specific insurance products it offers. Given that the state of California requires drivers to purchase a minimum amount of insurance, you can infer that 21st Century at least offers these types of standard coverages:

• Bodily injury liability offers legal support and compensation in case you injure someone else while driving, such as by causing a car accident or hitting a pedestrian.

• Property damage liability offers compensation and legal assistance in case you damage someone else’s property, such as their motor vehicles.

• 21st Century offers full-coverage policies as well. There isn’t any standard definition on what’s included in a full-coverage policy, but it typically includes the same protections as liability insurance as well as these types of coverages for your own vehicle:

• Collision coverage offers compensation to fix or replace your car if it’s damaged while you’re driving it, whether you’re at fault or not.

• Comprehensive coverage protects your car against damage from hitting wildlife or while you’re not driving the car, such as from storms.

• Compare Auto Insurance Companies

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• 21st Century car insurance cost by state

• Your quotes for car insurance depend on many factors, and one of the biggest is where you live. Some states are deemed riskier than others, and your rates can even vary by ZIP code.

• Given that 21st Century is only available in the state of California, it’s hard to compare how prices would be different in other states. 

• However, remember that while 21st Century is only available in California, its rates tend to exceed state averages.

• 21st Century auto insurance rates by driving history

• Unsurprisingly, your driving history also plays a significant factor in how much you’ll be charged for car insurance. The cleaner your driving record, the more you’ll save on car insurance in general.

• In addition, 21st Century also offers a couple discount options based on your driving record. You can save a minimum of 10% off your premium if you haven’t had any negative marks on your record in the past three years. If you go for five years or longer, that could help you score the lowest rates of all, with a discount of up to 20%.

• Here’s the monthly cost for various 21st Century insurance policies for drivers with a clean record and drivers with common infractions.

• 21st Century car insurance cost by age

• Your age also has an effect on your risk level as a driver. Younger drivers generally pay the highest rates of all, while older drivers pay less until they become seniors — at which point their insurance costs tick up slightly.

• 21st Century offers a 15% discount for students younger than 25 who receive a grade of “B” or better (it’s not clear if that’s GPA-based or any grade for individual classes). Drivers older than 55 can qualify for a 2% discount if they take a defensive driving course.

• Here are the monthly average premiums that 21st Century insurance charges to people of different ages.

• 21st Century car insurance discounts

• You’ve already read about a few of 21st Century’s car insurance discounts. But to give you a complete picture of these offerings, here’s the full list of its discounts, along with the amount.

• 21st Century vs. other insurance companies

• Car insurance companies are abundant in California, and 21st Century isn’t your only option when it comes to purchasing a policy. Here’s how the company compares to similar insurers:

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

• Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

• Read Editorial Guidelines

• Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

• We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

• 21st Century vs. AssuranceAmerica

• AssuranceAmerica’s website looks like it was updated more recently, although it’s still frustratingly light on important details. It doesn’t discuss the discounts it offers (21st Century offers six). 21st Century is also more generous in that it offers roadside assistance at no extra cost with all plans. This is a paid option with AssuranceAmerica.

• Neither company has a good reputation when it comes to customer complaints, but AssuranceAmerica’s is worse, with an average NAIC customer complaint rating of 3.43 versus 1.86 for 21st Century.[2] A score of 1.00 is the average. Scores that are higher, like these two insurers, indicate a higher-than-average amount of complaints for a company of its size.

• However, AssuranceAmerica does have one big advantage over 21st Century: It’s available in 23 more states, and you can actually get a quote online versus having to call a phone number and getting no response for hours or days or weeks.

• 21st Century vs. American Alliance

• American Alliance specializes in high-risk coverage for people who may have trouble getting affordable insurance through other options, such as drivers who have a DUI on their record. Unfortunately, American Alliance provides no details on its coverage options and pricing other than listing four potential discount options.

• In fact, American Alliance’s website seems geared more toward swaying insurance agents looking for companies to partner with rather than individual customers looking to buy their own coverage. Like 21st Century, you can’t get a quote online. American Alliance requires you to inquire about quotes and services by contacting one of its independent agents.

• There is one bright spot, however: American Alliance has much happier customers overall, with nearly a quarter as many NAIC-lodged complaints as compared to 21st Century (1.86 vs. 0.49).[2]

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• How to file an auto insurance claim with 21st Century

• Here’s how 21st Century’s claims process works:

• Submit a claim. You can call the company’s claims phone number 24 hours a day, seven days a week, at 1 (888) 244-6163. Alternatively, you may be able to fill out a claims form by logging into your online account.

• Meet with the adjuster. Two to three days later, you’ll be contacted by one of 21st Century’s claims adjusters. They’ll schedule a time to come out and see your car to evaluate it for damage and coverage potential.

• Make repairs. Once your adjuster gives you the go-ahead, you can take your car to any repair shop you want. Alternatively, if the adjuster deems it a total loss, you may receive a payout for it.

• 21st Century insurance FAQs

• Still have questions about 21st Century auto insurance? You can find some additional information here.

• Is 21st Century legitimate?

• Yes. 21st Century is licensed to operate in dozens of states despite only offering motor vehicle insurance to California residents. However, it was fined $50,000 in 2007 for 14 violations of California state law, and the insurer was the target of a class-action lawsuit filed in California in 2022 alleging that it didn’t comply with state-ordered premium refunds during the pandemic.

• What is the average cost of 21st Century car insurance?

• 21st Century charges an average of $184 for liability coverage and $395 for a full-coverage policy. This is much higher than other insurance companies, such as State Farm and USAA.

• Is 21st Century good at paying claims?

• 21st Century Insurance has a financial strength rating of A (Excellent) as judged by AM Best. However, there’s no independent, publicly available data about customer satisfaction with the claims process, so it’s difficult to say how good 21st Century is at paying claims.

• Is 21st Century expensive?

• Yes. The cost of car insurance from 21st Century car insurance is much higher than the national average for other insurers. If you’re looking for an affordable price, you’ll likely be much better off with other insurers, although it doesn’t hurt to contact the company for car insurance quotes.

• Methodology

• Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

• Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

• Liability-only premium averages correspond to policies with the following coverage limits: Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident Property damage limits between $10,000 and $50,000 No additional coverage Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: Comprehensive coverage with a $1,000 deductible Collision coverage with a $1,000 deductible

• Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

• Sources

• Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

• 15+ years in content creation

• 7+ years in business and financial services content

• Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

• Read Editorial Guidelines

• Featured in

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

• Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

• Read Editorial Guidelines

• Compare Car Insurance Quotes Instantly

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• Tickets vs. Citations: What’s the Difference?

• A citation is the same thing as a ticket. Using the word “ticket” instead of “citation” is much like saying “pink slip” instead of “termination notice.”

• What Is a Car Insurance Premium?

• A car insurance premium is the amount you pay to keep your coverage. Learn more about what factors influence your premium in our guide.

• What Are the Best Cars for Senior Drivers?

• Toyota Camry, Acura Integra, and Honda CR-V are among the best cars for senior drivers. Learn more about safe and affordable vehicle options.