Comparing quotes is the best way to get your lowest rates from top insurers like The General and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
21st Century and The General are two well-known names in the world of auto insurance. 21st Century was founded in 1958, followed by The General in 1963. Though the General has excellent online quote tools and provides affordable premiums for drivers with imperfect records, its discounts list is limited and its customer service is notedly unhelpful.
On the flip side, 21st Century compensates with its wide array of auto discounts and friendly customer service, but it has a habit of raising people’s premiums though the rates start out as affordable. Still, both companies have excellent 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 |
The General
|
21st Century
|
| Worst If |
The General
|
21st Century
|
| Bundling Coverage Discounts | The General | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | The General | 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 | The General | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | The General | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | The General | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | The General | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| The General Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 13 | 4 |
| 2015 | 14 | 2 |
| 2014 | 3 | 9 |
| 2013 | 4 | 3 |
| The General Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Below average |
| Policy Offerings | Above average | Below average |
| Pricing | Above average | Below average |
| Local Agent | Above average | Below average |
| Call Center Representative | -- | Below average |
| Insurer Website | -- | Among the best |
| The General Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Below average |
| Service Interaction | Above average | Average |
| Appraisal | Average | Average |
| Repair Process | Average | Below average |
| Rental Car Experience | Above average | Average |
| Settlement | Average | Average |
| The General Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A- | A |
| Moody's | -- | -- |
| S&P's | -- | A+ |
The General
The General Mobile AppThis app grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote. |
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. |
The General
The General 24/7 Roadside AssistanceThe General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month. Services Covered
|
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. |