21st Century Insurance Company Complaint - Dropping after 2 1/2 months
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.