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Thursday, January 16, 2014

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!"                                                                                                        
                           
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 ."

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