21st Century Car Insurance Review

21st Century Car Insurance a scam? 21st Century car insurance is very heavily advertised. They give the impression that they are very cheap. According to the following reviews from CreditKarma.com they start out cheap but then constantly raise their rates. 21st Century Car Insurance only gets an average of 2.6 stars out of 5 with 49 consumer reviews. Not a very good batting average.

"Stay Away!                
I have been with 21st Century for 2 years. Renewal time came and 21st Century submitted my payment with wrong acount #. They cancelled my policy and never contacted me! Here I was driving around with no coverage! The only way I found out is I was looking at my card charges and noticed I was never charged! I had to go on their website to find out it was cancelled! I tried calling customer service and emailing them. They don't care! They kept asking for a letter from my bank showing it was the bank's fault. What? It was never submitted because they used wrong #!

21st Century just doesn't get it! I asked to speak to a manager but they left me on hold forever, never connecting me! Here is the greatest part of this debacle; I received a bill from them yesterday for $25 for insufficent funds! Take my advice and stay away from this company, do your research, there are far too many complaints similar to mine. If this comment helps one person I'll gladly send 21st Century a check for $25 and smile!"                                                                                                        

                           

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Anonymous

I'm looking for new insurance company...                 "I have 21st for over 2 years. Every renewal (6 months) the price went up a little . Just got new renewal forms !! Almost 25% more !!!  Thiefs ."

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Anonymous

Pray!

"Pray you never have an accident with someone covered by 21st Century!
My son was hit by one of their customers in the drivers side rear wheel well.  I called them to find out what we needed to do.  I was given two numbers, one for the person to work with me making the claim, and one for the number of the insured individual.  It took over 45 minutes to reach my rep, the phone just rang and rang, nobody answering.  Finally go ahold of him and he said, I have 7-10 business days to decide if our person is responsible.  So what can we do to speed up the process as my son cannot drive his car to work, the frame is agains the wheel well.  He said he needed to record a statement from my son before he could do anything.  I called my son home and we called every five minutes for the next 1.5 hours or more, during the time he said to call as he would be working.  Never answered any of the calls.  So I tried to call the other representative (the one for the insured individual.  Phone went to VM but there was a great recording telling you who to call for more information, who to call in an emergency, absolutely informative.  So if you are insured by them, their call center and reps are quick and informative.  HOWEVER, if you are involved in a wreck with one of their customers, GOOD LUCK!  JUST PRAY THIS NEVER HAPPENS."

                           

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Anonymous

"The worse insurance!!!!!

The worse insurance!!! The adjusters are extremely rude... Beware!"

                           

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Anonymous

Constant rate increases

"They are now constantly raising rates. 18% in the last year although there have been no claims or tickets or other policy changes made by myself within the last 5+ years. When contacted their response was it was probably a generic increase otherwise their representative was not sure why rates were increasing. However she could assure me I was not alone, they were fielding numerous similar calls."                     

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Anonymous               

"The cost of everything in life goes up every year. You should count on seeing at lest an 8% increase on a annual basis due to inflation and cost of living expenses going up. If the increase is more than that and it isn't a individual increase but across the board then note which year it is and compare the weather patterns to previous years. From 2007 to 2012 the payout from insurance companies was three times as much as the previous five years. The other thing you have to ask yourself is what kind of customers is the insurance company taking. If you didn't change your insurance in 5 years then your company isn't doing a good job at reviewing your needs. I gaurentee your needs and the protection that you need compared to the changing risks changes from year to year. If they aren't taking the time to monitor the needs of their clients and meeting with you on an annual basis then it is very likely that they are not protecting a vast majority of their clients properly which means they will end up with a higher than average claim rates across the board causing the company to loose money. Your do not want your company to loose money because if they do you will have a claims nightmare when it is your turn to make a claim."

 

looking for new insurance                

"only been with them about a year. no claims but like others have said rates going up every six months. sure i can find something cheaper.  paying to much for bare minimum coverage."

 

 

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Anonymous               

Progressive Insurance Review

                                          

"Progressive is pretty good insurance unless you need it.  Last Wednesday at Noon, my daughter was involved in a car accident.  Someone pulled out in front of her.  That person was cited as being at fault and was given a ticket for failure to yield.

Both my daughter and the other party have insurance with Progressive.

I notified her agent immediately.  She did not want to run up unnecessary medical costs so she declined the ambulance ride to the ER.  However, when i picked her up she was complaining of back pain.  I called her physician and was told that her medical insurance would not cover office visits relating to a wreck and she would have to pay out of pocket and up front.  How stupid is that!  We wind up at urgent care where xrays reveal a crushed disk.

The next day, I take the police report to the agent who refers us to the adjuster.  She calls the adjuster who tells her that she needs to talk to the other party's adjuster.  Numerous calls to the other party's adjuster have, five days later, not resulted in a callback.

Meanwhile I have paid, out of pocket, over $1200 in medical costs, just before Christmas  because health insurance does not cover car wrecks and Progressive is pretending that they are not home. Fucking unbelievable.

Do yourself and anyone you might accidentally hit a favor.  Get real insurance!!!"

Jerry C.

Of 300 consumer reviews, Progressive Insurance got an average of three stars out of five. That would only be a 60 on a report card. Progressive Insurance is highly advertised, but what do actual users think?       

                                           

"I got auto insurance through Progressive at the age of sixteen. I had good coverage and fair rates. I don't even really recall my premiums raising much after I got a speeding ticket or two in my teenage years. I had immense brand loyalty toward Progressive, because, while I have never, ever had to file a claim or had any issue at all and was basically just a dream of a customer, giving them money to insure me and not really needing much in return.

Then, life happened. I graduated college, sold my car, and moved across the country to take care of my dying grandfather. Shortly after this, I took his 15-year-old car and drove back North to take a job in Detroit. When it came time to put the car into my name, naturally, I went to Progressive for insurance.

And was flagged, among other things, for fraud and denied coverage. I spent hours on the phone with customer service agents who would tell me I needed to do a) thing or b) thing and then I would be able to legally drive my car. What this basically boiled down to is that Progressive thought I was going to defraud them because I, at 22, have never had a utility bill in my name. Is that really that weird? I've rented or leased since turning 18 and it's always been included in my rent. However, according to like five different agents to whom I spoke, this is the only thing you need to be able to get car insurance (Not a spotless driving record, no history of filing claims, a great credit score, a Bachelor's degree, or a steady job: all of which I have) ... but an electricity bill.

Progressive set me up with some sort of insurance agent, and told me this was the only way I would be able to get coverage. They were somewhat friendly about the whole thing, gave me the number and address of an agent in my area, and assured me that this is the only way I could get someone to vet that I am not a fraud. I didn't know what else to do, and, being someone who had to drive my car to work every day, agreed to this and wound up paying literally 4x what my premium had been before. Again, because the lack of a utility bill in my name made me a total fraud.

This is where I admit that, yes, I was really naive in my frantic state. I was so worried about getting coverage and not driving without insurance that I allowed Progressive to lie to me, make me feel uninsurable, and get me to pony up any amount of money to correct this. In the end, I ended up looking into Esurance and they were able to provide me the same coverage at 1/3 of the premium I had been assigned by the whole predatory insurance agent Progressive talked me into going through.

At the end of the day, I guess I was only out a few hundred dollars (but in what universe is that not a big deal?) but the more important part is that this is a company that preys upon naive, low-income people."

D.V.