Comparing quotes is the best way to get your lowest rates from top insurers like AAA and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
21st Century and AAA are two top-rated companies in the insurance world. 21st Century was founded in 1958, and AAA was founded in 1905. While AAA is rated #1 in roadside service and offers a ton of discounts and coverage options, 21st Century provides excellent customer service and affordable premiums.
However, 21st Century is known to increase people’s rates, and AAA is disliked for its lack of timeliness in the event of a roadside emergency. Still, both companies have great financial strength ratings.
So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
AAA
|
21st Century
|
| Worst If |
AAA
|
21st Century
|
|
AAA
Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:
|
21st Century |
| Bundling Coverage Discounts | AAA | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AAA | 21st Century |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | AAA | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AAA | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AAA | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AAA | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 4 | |
| 2015 | 2 | |
| 2014 | 9 | |
| 2013 | 3 |
| AAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Below average |
| Policy Offerings | Average | Below average |
| Pricing | Average | Below average |
| Local Agent | Average | Below average |
| Call Center Representative | Above average | Below average |
| Insurer Website | Average | Among the best |
| AAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Average |
| First Notice of Loss | Above average | Below average |
| Service Interaction | Above average | Average |
| Appraisal | Average | Average |
| Repair Process | Among the best | Below average |
| Rental Car Experience | Above average | Average |
| Settlement | Above average | Average |
| AAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | -- |
| S&P's | A | A+ |
|
AAA
AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here. AAA eTourBook Guides provide members with great travel information for top travel destinations in the US. |
21st Century
The 21st iPhone appThis mobile app lets you view and pay insurance bills. You also get 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. |
AAA
AAA Roadside AssistanceAAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time. ERS offers the following roadside services:
Contact Phone NumberWhen you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:
|
21st Century
21st Roadside AssistanceAs a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost. 21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair shop. The cost of parts such as tires, batteries, belts and gasoline are not covered. Roadside Services Covered
Contact Phone NumberHotline: 1 (888) 244-6163. |