21st Century Insurance Company Discount Programs

The 21st Century Insurance Company offers a wide variety of discounts for drivers who qualify. Among other things, you could earn a discount by having a good driving record, getting good grades, or making sure your car is safer for you and your passengers.

Defensive Driving Graduates

You could earn a discount for successfully completing a defensive driving course. Your local Department of Transportation will have a list of certified defensive driving courses that you can take in the evenings or on weekends to increase your safety behind the wheel.

Defensive driving habits will help you avoid a potential accident, which means that you will need to file fewer insurance claims. 21st Century Insurance Company rewards your extra effort toward responsible driving by offering a discount for any driver that can provide proof of graduating from one of these driving classes.

Academic Achievement

Students in high school, college, or university can earn discounts simply by doing well in their classes. If you maintain a B average each semester, you will pay less for car insurance through 21st Century. Students who are posted on the dean's list each semester can also take advantage on car insurance discounts.

Being a good student usually translates to being a responsible driver. If you can prove your daily habits allow you to perform well in school, your car insurance company will feel comfortable trusting you to avoid driving recklessly. That trust translates to lower prices for insurance coverage.

Safety Enhancements

Anything you can do to make your car safer for you or your passengers is in the best interest of your car insurance company. 21st Century Insurance Company offers standard discounts for drivers who have their vehicles equipped with safety equipment such as driver and passenger airbags and anti-lock brakes. These systems will reduce the severity of potential injuries if the car is involved in an accident.

The fewer injuries there are, the less the insurance company will need to pay for medical claims after an accident. You will have the peace of mind knowing your car is safer and you will have extra money in your pocket from insurance discounts.

Higher Deductible Savings

When you choose your insurance policy, remember that you will benefit more from paying a higher deductible. The chances that you will be involved in an accident and need to file a claim are not very high. If you choose a plan with a higher deductible, your premium rates will be lower each month. You could save hundreds of dollars by opting for a higher deductible. However, remember to consider how much you could actually afford to pay if you were involved in an accident. You will have to cover your deductible before your insurance will begin to reimburse you for a claim.

Safe Drivers

Drivers with clean driving records will usually pay less for their car insurance. 21st Century Insurance Company offers discounts to drivers who have not filed claims over a consecutive three-year period. Safe driver discounts are usually automatically included in your initial car insurance quote through 21st Century. Some moving violations, such as a DUI, can have a longer lasting impact on your car insurance rates. Most drivers will enjoy lower payments if they have avoided accidents or moving violations for at least three years.

Paying Annually

You can save money through 21st Century Insurance Company if you choose to pay for your insurance in a lump sum on an annual basis. Paying once a year cuts down on the amount of paperwork that has to be filed regarding your account. It also cuts down on the time an insurance company spends generating your monthly statement and following up on your payments. If you are uncomfortable making a single annual payment, consider paying your bill in six month increments. The fewer times you are billed during the year, the less you will pay overall.

Multiple Car Discounts

Drivers who live in households with two or more vehicles can save money by adding additional vehicles to their 21st Century Insurance Company policy. Someone who uses the house as a primary residence and is related through blood or marriage must own the vehicles. Spouses and children usually take advantage of this discount as a way to keep car insurance costs lower. Adding cars to the same account can also cut down on the number of bills you have to keep track each month. You can consolidate your insurance payments to save time and money.