21st Century Insurance Company

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21st Century Insurance wants to raise my renewal premium by almost 38% for no reason!
Posted by on
WILMINGTON, DELAWARE -- I had been a customer of State Farm, but in July of this year, I switched my auto insurance to 21st Century Insurance after they gave me an insurance quote which was $175 a year cheaper.

My current six month policy premium with 21st Century Insurance is $543.57, so imagine my surprise when I received my policy renewal the other day and discovered that my renewal policy premium will be increased by approximately 38% to $749.81!

I have no idea why 21st Century Insurance feels the need to increase my premium by such an outrageous amount, as I have not had any tickets or accidents since long before I became a customer last July, and the premium increase is far more than the 5% across the board rate increase that they notified me of in the policy renewal paperwork.

Since there is no reasonable excuse for a 38% increase in my insurance premium, I emailed them and asked them to give me an explanation as to why they feel that they have the right to raise my premium so dramatically. It has been almost 2 weeks, and I have not yet received a reply.

Since we live in a free market and I am not obligated to remain a customer of a company which is trying to rip me off, I reserve the right to find a cheaper insurance premium with another insurance company. If 21st Century Insurance will not lower my insurance premium to a more reasonable amount, I won't renew my policy when it expires on January 1st.

Before I became a customer of 21st Century Insurance, I was warned by a friend (and former customer of 21st Century Insurance) that they are an unethical company and they would dramatically raise my premiums after the first six months. As it turns out, my friend was correct, and I was a fool for believing that they were an honest company. In my opinion, 21st Century Insurance is nothing more than a bait and switch scam!

I will remain a customer of 21st Century Insurance if my six month renewal premium is priced at $570.75. This amount reflects a rate increase in the amount of 5%.

I have absolutely no intention of renewing my insurance policy with 21st Century Insurance if they attempt to charge me any amount over $570.75.
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Slimjim on 11/17/2011:
I would call them and ask for an explanation for the rate increase. Maybe there is a mistake, if not and nothing has changed, then that is unusual and suspect. Time to call Geico.
swimjim on 11/17/2011:
I'd call around, get competing quotes with guarantees it won't raise anytime soon, then call your existing vendor, tell them to meet it or you intend to part ways once the current policy expires.
saj80 on 11/17/2011:
It sounds as if 21st Century offered you a "teaser" rate to get you to switch, and are now adjusting your rate to where it should be, based on their criteria. This is a common problem in the insurance industry, and consumers have to be careful when comparing rates, and ensure the rates are legitimate, not temporary.
CowboyFan on 11/17/2011:
Has there been a change in what the law requires to be covered? Can you change how your coverage is structured? I wanted higher liability limits and it ended up being cheaper to have an umbrella policy in addition to my policy, instead of raising my limits on my primary automobile policy.
James on 12/07/2012:
you don't have too wate 6 months You can drop them any time you want too try state farm they been good too me. mine went up 1.00.for the next 6 months
kell smith on 02/13/2013:
I believe with the stories here. I call them to ask a quote for my teen son. They add my teen son to our policy without our permission. They said because when I asked a quote that means I'm including my son. Our insurance went up from $345 to $875 every 6 months. The same day my husband and I went insurance shopping and found a cheaper one. My husband canceled the old insurance and the representative said that my teen son should not be add in the policy. My husband replied, "Well it's too late now because we already found one."
SM on 06/04/2013:
They did same to me. After first six months, they raised price from 600 to 725 for no reason. There was no accident or tickets. When I asked them, why, they told me, this is state wide increase. But after looking at your comment, I think they do this to everyone. I am in TN
Mr,B on 06/27/2013:
My 6 month policy also has increased from $396.64 to $565.40. Looks like another money grab by corporate America. Did we as American tax payer's bail this company out not to long ago. This is how they thank you.
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Fraudulent Charges!
Posted by on
COLORADO -- I have been a loyal customer of 21st Century (formally known as AIG) for the last year. I didn't have any problems with this insurance company until a month ago. When I renewed my policy I decided it would be more convenient to get set up on auto pay. Well of course my payments had come out of my account every month on a regular schedule until last month. When I called 21st to ask why my bill hadn’t been taken out they said that we were using our vehicles for business purposes and that we would be dropped from our policy. When I reassured them we weren’t using them for business purposes, faxed them a form stating that we weren’t they said to wait till September to pay Augusts bill because it would take time to process the paperwork.

I called back in September to pay my bill and I was informed that after renewing my policy that my premium was to be raised by almost $100. After hearing that I told the operator to make sure that auto pay would not be set up for September because I was going to shop around for a lower premium. He said nothing would be automatically taken out because it was a new policy and I would have to set up auto pay again.

Later that week I signed up with Progressive, which ended up being cheaper than I was paying before. Well my husband called a few days later and said that 21st Century had just taken out $774 from our account. This was not authorized; I had no idea this amount of money would be taken out of my account and didn’t have the funds to cover this charge. As a result my account had $350 in overdraft fees and my account was frozen. When I called 21st Century the operator was talking in circles and eventually said that she would not be able to refund the full amount or cover the overdraft fees. I then asked to speak to a manager. After letting him know that the charges were unauthorized he put me on hold to listen to the phone conversation I had with the operator that told me I would not have any money taken out of my account. The manager came back to say that he listened to 5 min. of the 20 min. phone call and didn’t hear anything about auto pay being discussed. I assured him that it was discussed at the end of the phone call. He said if I wanted to dispute it I could fax in my overdraft fees and THEN he would listen to the whole call.

I finally gave up and just asked that he refunded my money. I then call my bank and they said if 21st Century was able to refund the full amount that we could claim it under fraudulent charges and they would take off the overdraft fees. So I sit here still waiting for 21st Century to refund my money. The operator said I would have to wait 5-7 business days before I saw my refund and there still isn’t a guarantee that I would get the full amount back. I love how they are so quick to take my money, but so slow to return it.

Meanwhile my account is frozen, I have no funds and my husband and I were supposed to go on vacation this weekend that had to be cancelled because we don’t have enough money (due to the $1,000 that was unexpectedly taken out of our account in the last few weeks).

21st Century has horrible customer service and will do whatever they can to take your money! I would not recommend this insurance company to anyone!
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lorrwill on 02/17/2010:
Holy Crap. I am going through the same thing with these thieves. But I called the CEO, Tony Desantis, and he assured me that he would have my complaint investigated and my unauthorized deduction refunded.
As to being competitive, not so much. I switched to State Farm and am now getting a seriously lower rate and the local State Farm consumer ratings are higher too.
Avoid 21st Century at all costs. They were an extremely good carrier years ago but those days are long gone.
Lifemates on 10/24/2010:
Hey lorrwill, how in the world did you get hold of the CEO's personal number?
Lifemates on 10/24/2010:
There must be a way of spamming the votes.
PeterKiryluk on 12/27/2011:
They took my money out of my account in a blip but I haven't seen my money yet in the "full refund from them" Day 20 I call everyday these people are thieves!
Anthony on 06/21/2012:

Tony Desantis talks a lot but says little. AIG(remember those crooks)sold 21st to Farmers. The same management is still running the operation(same crooks). I worked there less than a year. Imagine the scamming I witnessed. Just give it time, Farmers management team will soon catch on to what is truly happening!
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Dropping after 2 1/2 months
Posted by on
My Geico premium went up and I decided to shop around to compare rates. 21st Century gave me the best (I now remind myself that if something looks too good to be true - it usually is). Since it too was a 6 month policy, I questioned if their rates would rise significantly in 6 months and was told - no, the rates in NJ are going down! When I called back a couple of days later to get the policy the rates were up and they couldn't tell me why. Policy was matched exactly with my old coverage so I could compare properly. For the next 3 weeks or more I received quotes in the mail at the lower premium. A supervisor agreed to the original quote but said they would charge the new rate in 6 months. They asked for my defensive driver registration number which I supplied on the phone. (They never said they would need a hard copy.) I received my policy and pages and pages in the mail. No mention of what should be signed and returned. Then I received a rate increase in the mail and again - back to customer service. They said they needed a copy of my defensive driver mailed - I asked why the sales person hadn't told me that was required since they already had the registration number. I mailed that to them. Then another letter and another phone call and I had to fax over the policy agreement which I did and had verification of the fax. Then another letter - they didn't receive it - another call and at the end of that conversation the customer service person just happened to mention a $750 deductible without any mention of deductibles from me. ??? This made me check my original policy and new papers they had sent me. Original policy $500 deductible - new policy $750 deductible. Another call - this time assurance that my rates wouldn't go up with my $500 deductible when they received the information in the mail - and no they had not received my fax but the girl went over all the options with me (and I chose my original $500 deductible) and another assurance that my rate would not go up and I mailed in the hard copy. A few days ago another letter (wrong first name) saying a conflict in deductible - forms to fill out again (NOT) and if I chose $500 my rate would be higher. Goodbye 21st Century - Good Riddance 21st Century - cancelled as of 12:01 tonight. My coverage (if I ever had any) only lasted 2 1/2 months, and I shudder to think of what would have happened had I been unfortunate enough to have had an accident. I'm staying in my house today and not even starting the car in my driveway until tomorrow when my new policy takes effect! Don't be lured by low rates - Bait & Switch in my opinion would be the best description for the tactics of this company.
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Alain on 08/17/2010:
So who is insuring you now (did you go back to Geico?) I think I'd have stopped early on in this process. You're right, if it sounds too good to be true, it's not true.
justmimi on 08/18/2010:
I've had AAA for road service for years and were satisfied the couple of times I used them. Now I'm trying them for auto insurance. Their quote was lower than Geico's (customer discount, etc.) and the rate is for a year. Time will tell!
Anonymous on 08/18/2010:
Check out my post on Ameriprise. You might want to see what the price of their coverage is too. I usually compare my rates to at least three other companies every couple of years. No sense paying more than we have to--for something rarely used. My premium has gone down every year so far.
justmimi on 08/18/2010:
Thank you - I'll look call for a quote.
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StarStarEmpty StarEmpty StarEmpty Star
Posted by on
Rating: 2/51
CAPE CORAL, FLORIDA -- Apparently unless you auto pay your bill now with 21st Century you have to pay a $3.25 processing fee. What I mean by this for example is. Yesterday I went online to pay my 6 month premium, which in turn was 6 days before due date. I was using my Debit card and it informed me that unless I auto draft on the due date I would be charged $3.25 to process my payment. Maybe some of you have seen this, but not me. I have seen processing fee's for late payments etc. What I do not get is they are obviously passing on their vendor fee to the consumer that companies normally pay anyway. It is not the issue of the amount, but the principal of it.

I spoke with the Manager who told me lots of companies do this. I never had this issues with ALLstate, Mercury or any other insurance company, (ordering pizza, buying products, Amazon, get my drift). And by the way Miss Manager your company raised my premium $50 for 6 months and I have never made a claim, had a ticket, and coverage/vehicles the same. Although I didn't appreciate that I still am paying it. I had to absorb their increase, so they can absorb their vendor fee. After moping on the phone with Sandra, who basically implied that I was ignorant to the coporate greed that America is slowly being strangled by she waived the fee of $3.25. Seriously love capatialism, but when you need to increase your revenue to keep 2 people on to do 1 person's job and to pay a CEO a 7 figure salary then it gets silly.
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trmn8r on 06/03/2012:
I use checks for very, very few things, but one is insurance payments. Check = no interchange fee.

I don't see a problem with the insurance company passing this cost on to you. If you send them a check, they would not have to pay the fee. And if you autopay, you aren't using a debit card and there may be none or a significantly lower interchange fee.

Debit and credit cards benefit us as consumers as a convenience, but there is a very significant cost to the payee. At the end of a company's reporting period, if 1% is lost just to collect monies due, that is a significant impact on the profitability of the company.
clutzycook on 06/03/2012:
There are a lot of places that charge a "convenience fee" for paying by credit/debit. Your best bet to avoid it is to either write a check and send it snail mail (risky, I know), or make the payment via your bank's online payment feature, if it has one. I do not recommend setting up the auto debit, very few companies seem to be able to handle these properly.
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21st Century Insurance Auto SCAM
Posted by on
PASADENA, CALIFORNIA -- I signed up online for my auto policy and was quoted a price that would save me money. The next day I checked my policy and they had dropped my comprehensive and collision but were charging me the same price I had signed up for. When I checked on how much to add this coverage it was WAY more than my current policy. So for the ONE day of coverage they charged me $50.

So in effect they SCAMMED me out of $50. Thank goodness I checked my policy online the next day or it would have been much worse. What a bunch of dishonest bozo's.
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old fart on 06/22/2011:
I would not trust any insurance company that does not have a local office,,,
trmn8r on 06/22/2011:
I'm going to second what old_fart said. I'd go with a company that has a brick and mortar presence nearby. If something tragic occurs, personally I'd like to be able to get to my agent ASAP.

I kept my nose clean with State Farm for many years, and my premiums are reasonable.
old fart on 06/22/2011:
We both agree trmn8r but I just switched back to AAA because State Farm raised my premiums and I haven't had an accident or ticket in 40 years...
By changing I saved 400 bucks a year.
trmn8r on 06/22/2011:
I remember you said that old_fart. I only pay $750 per year for 2 cars and a full sized truck, so I don't feel the need to change at this time.
old fart on 06/22/2011:
Where do you live trmn8r..?
MRM on 06/22/2011:
I got this, I got this... Seattle,WA.
trmn8r on 06/22/2011:
Close. New Jersey.
old fart on 06/22/2011:
LMAO... not so close, eh? trnm8r...
MRM on 06/22/2011:
You're hilarious, Trm. Don't worry, your secret is safe with me!
trmn8r on 06/22/2011:
I wish I lived in Seattle, except for the cost of living. NJ is so cheap, with the low property taxes and fiscal responsibility in Trenton.

They are thinking of renaming the state Xanadu.

your neon lights will shine
For you Xanadu.

The love
The echoes of long ago
You needed the world to know
They are in Xanadu.

The dream that came through a million years
That lived on through all the tears
It came to Xanadu.

old fart on 06/22/2011:
I loved every minute I lived in Noo Joisey, 7 years.
I'd kill to go back!
experienced driver on 06/27/2013:
21st Century is a terrible company with horrible customer service. Stay away from them.
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Posted by on
GLENDALE, ARIZONA -- After a hail storm in the Phoenix, Arizona area my 2009 Honda Fit received numerous dents requiring the submission of an insurance claim to 21st Century Insurance. I confirmed via the policy information available to me using the WEB site of 21 Century Ins. that I had rental auto coverage of $30 a day, maximum of $900. This was consistent with what I had requested from my original agent, who by the way is no longer with the company selling me the insurance. Upon renting a vehicle for a week, I was informed by the Enterprise Auto Rental person that my insurance company indicated I had no rental coverage. I called the claims agent and was informed I only had rental car coverage in the event my vehicle was stolen. After adamently informing him this was not correct and that I had requested rental car coverage but not just for a theft situation, he told me he would investigate. By the days end I had no reply from 21st Century Ins. and had to return the vehicle and pay #310.00 rental fees including tax.
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Alain on 01/15/2011:
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It's A Horrible Experience Even Before It Gets Started
Posted by on
I got a cheaper quote online and get a call from them almost instantly. But it went downhill right after, customer service transferred me a local agent and we talked a while. I don't remember my current policy coverage and want to go back and look into more detail so I can call me back the day after. The agent just went bat-sh*t crazy and demand me for my credit/debit card number so I can pay right away. I explained and explained about I wanting to check couple things and do some research. But this guy named traverse kept pushing and pushing bragging about how incredible and reputable the 21st century ins is.

I have to hang up on him. Now I find out how bad the experience, services and how unprofessional they're for business, I'll never go with them. Thank you all for the reviews!
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Anonymous on 01/11/2011:
Wow, sounds like youre better off not doing business with that guy.
Alain on 01/15/2011:
I use an independent agent and I talk with her face to face once a year. I get good rates and have avoided situations like this. What you described is unacceptable. By now I'm sure you've found a better company.
Augustus2099 on 02/12/2011:
I had 21st century for two years and they dropped us because of they are no longer writing policies in Mississippi.
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Ripped off
Posted by on
After buying a new car I thought it would be smart to shop around so I went online and got a few quotes. 21st Century turned out to be priced okay at the time. That was the good part. Now the bads in order...

Upon receiving my contract I learned that 21st Century Insurance is actually part of AIG. Not happy about that considering the damage AIG already did to this economy. Anyway it was too late to go back since my premium was already paid.

Continuing on... A few months later, it happened... I was involved in a car accident (first time ever after 20 years of driving) where a 20-year old punk rear ended me (he was speeding and didn't see me when he was trying to pass from the right). Getting 21st Century involved was a nightmare.

21st Century initially claimed that the other driver was uninsured and that I would have to lose my deductible. When I mentioned I would go file a complaint against the other guy with the police, 21st Century suddenly found that the other driver was actually insured but that they were denying reimbursement of my deductible on the ground that I was at fault! The other guy on the police report had claimed that I had cut him off which was totally not true! I don't know what was the deal between 21st Century Insurance and the other guy's insurance but I suspect they would try anything to deny any payment even when you are not at fault! Anyway, I cancelled my policy with 21st and went to the competition.
My advice to whoever reads this - don't think you will save a couple bucks with this insurance. When something happens you will be sorry...
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Unfair billing
Posted by on
I am lodging this complaint against 21st century insurance for what I consider unfair (and possibly illegal) billing. I originally obtained insurance for my motorcycle through AIG. Last year, AIG received federal bailout money, and a couple of months later, I received notice that AIG was changing its auto insurance over to a company called 21st century insurance. I had been using AIG for my motorcycle insurance for two or three years, renewing and paying for the policy premiums in one lump payment and ensuring my coverage for a year at a time. I was only three or four months into my renewal when the changeover occurred this past year. Within a month or two, I started receiving new, increased bills for my policy each month. Even though my policy had been paid in full for the remainder of the year. I had not been in any accidents or received any traffic citations whatsoever and had no reason for premium increases. I also reviewed my policy's "fine print", and could find no areas where such an increase would come from. Especially with no prior notification. My only guess is that AIG, through their newly renamed company, 21st century insurance, was attempting to collect funds to cover their newly received bailout debt. I ultimately cancelled my policy with 21st century insurance and moved my coverage to another company. And because that I received no prior notification, had no stipulations in the policy that allowed it that I could find, and was only a few months into a year long paid for policy, I have not, and will not pay the extra billed amount. And I urge anyone else who may have experienced a similar problem to do your own research and act accordingly. No one should have to be subject to this. From any company, but especially a company that obviously can't manage itself properly and is on the hook to the US taxpayers for billions of dollars.
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Settlement Claim
Posted by on
I was involved in an accident AUG, 2 2008. The driver covered by 21 Century blew through a stop sign causing me to hit her. It totaled both cars and messed up my right wrist. I have been sending them paper after paper, report after report for the last year and a half and still no settlement. Every time I manage to reach my claims adjuster it seems they need more.. Enough is enough, I just want to get this done with and have NO MORE DEALINGS WITH THIS COMPANY!!!
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BEJ on 02/10/2010:
Can you go through your own insurance company? You could get your claim taken care of by your own insurance and then they can go after the other insurance company to get reimbursed.
Anonymous on 02/10/2010:
Why not get a lawyer and sue her insurance company.
goduke on 02/10/2010:
As much as I hate to throw business at lawyers, the insurance game is one in which they can sometimes help. You might need to contact an attorney. Often you can get a free consult on a personal injury/insurance case. Good luck.
skelly39 on 02/10/2010:
You can't sue her insurance company. You can only sue her. Are you done with all your treatment? Insurance companies generally will not settle with you until you are either done going to the doctor or are never going to get any better.
Most states have departments of insurance, and insurance companies are often required to respond to correspondence within a certain amount of time. If I were you, I'd complain to the DOI in your state first. A lawyer will take 1/3 of your settlement.
Anonymous on 02/10/2010:
Skel, only an insurance company can sue an insurance company? I didn't know that.
skelly39 on 02/11/2010:
No, there are very, very few situations in which an insurance company can be sued, and it's generally by their own insured. This lady has a claim against someone else. That's who she has to sue. I'm saying that if they aren't following the rules, the DOI might make them do it and she could avoid giving over 1/3 of her money to an attorney.
spiderman2 on 02/11/2010:
You need to retain a lawyer now to help you take care of this. Typically, you only have two years after a person injury to file suit against the person who caused your injury. After those two years, you will be at the mercy of the insurance company. I would find an attorney to guide you through this. Once you file suit against their insured, it will light a fire under them because obviously, they aren't going to be dealing with you.
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