Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 23, 2021

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You’ve probably heard of 21st Century auto insurance. They’ve currently got commercials running nationwide that play on the fact that insurance is a basically a commodity.

In one spot, they compare filing an insurance claim with Geico vs. 21st Century, illustrating that both drivers will get reimbursed for the same accident or theft, or whatever it happens to be…just for less money.

It’s a good pitch, considering we feel the same way. Coverage often isn’t all that different among carriers, but price can vary widely. When you’re comparing like policies, you can quickly determine which policy is cheaper. Determining which insurance company is best for you can be more complicated.

So if you’ve done your shopping (insurance quotes, insurance agents, etc) and decided 21st century auto is a contender, consider the available discounts offered by the company that could make your insurance premium even lower.

What Discounts Does 21st Century Auto Insurance Offer?

Accident/ticket free (4 years and 5 years) – as a new customer, get tiered discounts for being accident and violation-free for a certain number of years prior to obtaining coverage with 21st Century.

Anti-theft – get a discount for having an anti-theft device in your vehicle.

Defensive driver discount – get a discount for completing a defensive driving course recognized by the applicable state’s DMV.

Drivers education discount – new drivers may be eligible for a discount if they complete a drivers education course.

Good/Non-good drivers on same policy (must be good for 36 months) – a good driver can get a discount despite a bad driver being on the same policy (typically this doesn’t fly, so it could save you money if there is a teen driver in your household).

Good student discount – get a discount if you are a high-school or college student who receives qualifying good grades and/or makes the almighty deans list.

Group discount – various discounts are available for being part of a group – inquire with your agent or representative. This could be a local organization, a credit union, a certain school or employer, or many other things. 21st Century Insurance has more connections than many realize.

Mature driver – get a discount for being a more mature (older age) driver with a clean driving record. Generally, this is meant for senior drivers.

Multi-car discount – get a discount for having multiple vehicles insured by 21st Century Insurance. Keep in mind, all drivers typically have to live and garage their cars in the same location.

Multi-policy discount – If you have homeowners, renters, or another policy from 21st Century Insurance, you can get a discount on all policies involved by also getting an auto policy with 21st Century Insurance. If you’re not sure, you can check out their website and find plenty of insurance products.

Yearly accident/violation free discount – if your record is a bit spotty, get a discount for each subsequent year you go accident/violation-free with 21st Century. If you’re already accident-free, you may see your policy premium drop as you stay with 21st Century Insurance. This is often thought of as a loyalty discount.

Note: Not every discount is available in each state and individual discount percentages may vary by the state in which you reside.

Also know that car insurance companies are constantly tweaking their rates based on their results, so these discounts could be changing as we speak.

Be sure to check out the Allstate auto insurance discounts , Esurance car insurance discounts, and Mercury car insurance discounts as well!