Comparing quotes is the best way to get your lowest rates from top insurers like Amica Mutual and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
21st Century and Amica are two big names in the insurance world. 21st Century was founded in 1958, and Amica was founded in 1907. Amica’s claims process is prompt and straightforward, and it will keep your rates low if you’re a low-risk client. On the flip side, 21st Century offers excellent customer service, multiple discounts, and affordable premiums.
However, Amica sometimes has faulty customer service, and 21st Century is known to increase people’s rates. Still, both companies have comparably long discount lists and excellent financial strength ratings. Amica ranks superior to 21st Century though, with 5 out of 5 stars from J.D. Power.
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 |
Amica Mutual
|
21st Century
|
| Worst If |
Amica Mutual
|
21st Century
|
Amica Mutual
Legacy Discount.For drivers under 30 who have been with Amica under a family member’s insurance policy. Anti-Theft Devices Discount.This discount is given to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems. Electronic Stability Control Discount.For cars with four-wheel electronic stability control system. Platinum Choice Auto.Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can get multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage. |
21st Century |
| Bundling Coverage Discounts | Amica Mutual | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Amica Mutual | 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 | Amica Mutual | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Amica Mutual | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Amica Mutual | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Amica Mutual | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Amica Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 29 | 4 |
| 2015 | 59 | 2 |
| 2014 | 66 | 9 |
| 2013 | 61 | 3 |
| Amica Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Below average |
| Policy Offerings | Above average | Below average |
| Pricing | Average | Below average |
| Local Agent | Average | Below average |
| Call Center Representative | Among the best | Below average |
| Insurer Website | -- | Among the best |
| Amica Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | Average |
| First Notice of Loss | Among the best | Below average |
| Service Interaction | Average | Average |
| Appraisal | Among the best | Average |
| Repair Process | Average | Below average |
| Rental Car Experience | Below average | Average |
| Settlement | Among the best | Average |
| Amica Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | -- | -- |
| S&P's | A | A+ |
|
Amica Mutual
Amica Mobile. This app helps you access the company’s website from your mobile device. Use it to make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile app here. |
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. |
Amica Mutual
Amica Roadside AssistanceRoadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car. Roadside Services Covered
Contact Phone NumberCall 866-286-9968 to receive help on the road right away. |
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. |