Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and 21st Century. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Esurance and 21st Century are two big names in the world of insurance. Esurance was founded in 1999, and 21st Century was founded years earlier, in 1958. Both companies are known for having good customer service, and share high financial strength and J.D. Power ratings. They also offer a wide range of driver discounts, but Esurance has received negative reviews about its roadside service, and 21st Century the same for its auto insurance rates.
However, Esurance still has a strong online platform, and 21st has decent reach since it’s a subsidiary of Farmers Insurance Group.
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 |
Esurance
|
21st Century
|
| Worst If |
Esurance
|
21st Century
|
|
Esurance
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below. Fast 5 DiscountThis discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com. Paid-in-Full DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer. Emergency Road Assistance DiscountYou can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
21st Century |
| Bundling Coverage Discounts | Esurance | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | 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 | Esurance | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 48 | 4 |
| 2015 | 67 | 2 |
| 2014 | 47 | 9 |
| 2013 | 43 | 3 |
| Esurance Auto 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 | -- | Below average |
| Insurer Website | Among the best | Among the best |
| Esurance Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | Average |
| First Notice of Loss | Below average | Below average |
| Service Interaction | Below average | Average |
| Appraisal | Below average | Average |
| Repair Process | Below average | Below average |
| Rental Car Experience | Below average | Average |
| Settlement | Below average | Average |
| Esurance Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | -- |
| S&P's | -- | A+ |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
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. |