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21st Auto Insurance

When it comes to car insurance, Geico and 21st Century are pretty much well-known. Geico is considered to be bigger and this is largely thanks to their massive marketing campaigns. In fact, even though a person seeking auto insurance may not sign up with Geico, he or she will almost always get a quote from them simply because of brand recall.

On the other hand, 21st Century has a very nice tagline: "You live in the 21st Century. Isn't it about time your car insurance company joined you there?" This gives the potential customer the immediate feel that he's signing up with a carrier that understands car protection and problems in today's world.

Marketing aside though, which is the better carrier?

Geico Insurance: Online Presence, Offline User Experience

As Geico is such a huge company, it's not surprising that its website is also very big and detailed. The site is user-friendly, easy to navigate, provides good facilities to get a free quote fast, and has an excellent online system where you can file claims. There's also a lot of information you can read on their site regarding other types of coverage such as flood insurance, overseas coverage, condo policies, and more!

Offline, user reviews about Geico are mixed. On the good side, people believe that the carrier offers highly competitive rates, offer great customer service, and that their claims have been resolved quickly. Still, there are some who complain that it's a nightmare when you start making claims. Those for Geico argue that everything is writing in the small print. And so if your contract does not provide coverage for a certain thing, then your claims on that will not be paid. Of course, many argue that they have valid claims and are just not being paid.

21st Century Insurance: Online Presence, Offline User Experience

As for their website, 21st Century's seems a bit on the simple side. However, start clicking around and you'll soon end up on the information you need. It's easy to get a quote, they provide various other types of policies (earthquake, flood, homeowners, etc.) and they also offer a good facility to make claims online.

Offline, there's one negative thing that keeps on resonating during our research: many are unpleased with their customer service. In fact, many complain that they get hung up on(!) while in the middle of asking for a quote or filing a claim.

On the good side, many do agree that the company is true to its claim that they offer lower rates on car insurance.

As everybody has his own unique situation, it's important that you do extensive research before signing up with ANY car insurance provider. For starters, give Geico and 21st Century a call and ask for a free quote and see for yourself how their agents treat you. Once you get the quote, be sure to compare them point by point. Don't just look at the premium rate but on what it actually covers.

And last but not the least, it may be tedious, but do read the fine print!

Frequently Asked Questions

  1. QUESTION:
    What is 21st Century Auto Insurance's coverage for letting a friend borrow your car?
    I have 21st century auto insurance and i saw the commercial about how they extend your coverage to anyone you let drive your car. I was wondering how that worked, what are the requirements?

    Because if that is the case then, one wouldn't need to buy any insurance for their children for example.

    • ANSWER:
      You have to pay for it. It's additional coverage.

      You have to have coverage for every driver of the vehicle. That would include children. When a child reaches the legal age and obtains their license, the parent adds them to their policy and pays for it.

  2. QUESTION:
    21st Auto Insurance Company?
    Any complaints regarding the 21st Auto Insurance Company? I am thinking about switching to them.

    • ANSWER:
      Is it the California Based 21st insurance company? If so, then they have an A+ rating by ambest (ambest.com) which is means finanially, they are in very good shape.
      Check out the NAIC website for complaints. It looks like they have more complaints than the average company but it's not terrible.

      http://www.naic.org/cis/complaintReportMenu.do?entityId=5105

      Good luck!

  3. QUESTION:
    for 21st century auto insurance, does a teen driver (with a permit) need coverage?
    or does the coverage plan by the parents cover the teen until he gets his full license?
    and i checked all the websites. i'm looking for information about 21st auto specificaly

    • ANSWER:
      if you drive on the public roads you need insurance/gotta go under moms

  4. QUESTION:
    is 21st century auto insurance any good?
    I was thinking about getting them cuz theyre the cheapest for me if i get a fofge challenger. I ws just wondering what you all thought
    I'm sorry "fofge" was a typo. I meant Dodge. hopefully everyone got that..

    • ANSWER:

  5. QUESTION:
    21st Century Auto insurance question?
    So my policy went up without me even being notified and of course my card was on file. When I noticed they were taking alot more money out I called and found out the prices increased even when there was another plan that I could have had at the same price! I cancelled the plan and they told me I would have to pay for the 4 days that I had insurance and they'd refund the rest of the money for the month. Well I found out they took for just four days! I called and they tried saying it was for the policy yada yada yada but they really didn't understand that I had already paid previous months nor did they want to put a manager on the phone. What can I do? Can I speak to my bank about this unauthorized charge? Thanks. I just can't afford someone's stupid errors like this.

    • ANSWER:
      Contact the company and go over your agents head for a full explanation. If you can't get a resolution from them you can contact your state insurance commission about the issue to get it resolved.

      However they have a right to charge you for the 4 days worth of insurance. When you sign up for auto bill pay you agree to payments and you were notified at least 30 days in advance of the rate changes, the question is if you ignored the notice or not.

      As for 70 bucks for 4 days? That's expensive but depends on where you live. Ask if there was a cancellation fee as that's probably the case.

  6. QUESTION:
    Does anyone have experience with www.21st.com Auto Insurance and how did you find their service ?

    • ANSWER:
      They're an AIG spinoff. They're just about like any other online writer.

  7. QUESTION:
    I am looking for anyone who has experience with 21st Century Insurance Claims handling?
    I want to know how good is 21st Century's Auto Insurance. It looks like the premium are good but is their claims handling good.

    • ANSWER:
      The one and only accident I've had was going back about ten years when I was insured with then 20th Century. I had about ,000 worth of damage to my car. They refered me to one of their body shops and they did an excellent job. The claim was paid promptly. The only negative is that they took about twice as long to fix my car as stated. I have no idea what 21st century is like now. I ahve since switched to Mercury and am extremely happy with them.

  8. QUESTION:
    Auto Insurance Esurance or 21st Century?
    I've had esurance for almost a yr. now and my parents are giving me a hard time about having a "small out of state company" auto inurance and is telling me to switch to 21st century...BECAUSE its better? However i'm saving myself 0 even though i would have the same "ideal" coverage for my car.

    What do you guys think? Should i switch because 21st is well known? My parents have never heard of Esurance even though i've seen it so many times on the tv adds.

    P.S. I'm paying for my own auto insurance...just wanted to get some suggestions.

    • ANSWER:
      Esurance isn't small at all. They write insurance in all 50 states.

      I have Esurance for 3 years now, no one can beat their prices for me and anytime I have called they were always very helpful and polite.

      Stay with Esurance.

  9. QUESTION:
    California Casualty Auto Insurance?
    I'm a 3rd grade teacher in NJ who currently has "Century 21 Auto Insurance". I representative from "California Casualty Auto Insurance" came in to demonstrate their insurance. I am now contemplating on switching. Does anyone has any luck with this insurance, or any other one? I will be paying about 0 per month for 2 cars.

    • ANSWER:
      21st Centurey is an A rated spinoff of AIG. There are several California Casualty companies, rated from A- to B+.

      Purely based on the ratings, I'd stick to 21st Century, unless they're SERIOUSLY undercutting the price you're paying now.

  10. QUESTION:
    What are some cheap Auto Insurance Companies?
    I pay 193 a month for basic liability with 21st century Insurance. Where can i get a cheap quote?

    • ANSWER:
      Find an agent that carries lots of different companies. They can usually find you something cheaper.

  11. QUESTION:
    Looking for auto insurance good rates im 21 in Chicago any suggestion?
    Hi I live in Chicago and was trying to find a better auto insurance one who could handle claims quickly has anyone ever had auto insurance with Lincoln Auto Insurance I was wondering how they handle claims.

    • ANSWER:
      CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES INCLUDING THEIR RATINGS AS WELL AS HOW THEY PAY AND TREAT CONSUMERS AND MAYBE BE ABLE TO ASSIST YOU.

  12. QUESTION:
    What is the average cost of auto insurance for a 21 year old male?
    if i could get a price range as well that would be great. i know it changes based on a whole bunch of other things but i would just like to know a general price range and average to budget. thank you

    • ANSWER:
      There is no general price range. Rates vary based on zip code, credit, vehicle and LOTS of other factors. Expect it to be expensive though.

  13. QUESTION:
    Auto Insurance for 21 year old son who moves out?
    My son is 21 and thinking about getting out on his own in the near future. He just got a great full time job and is thinking about moving closer to work with a roommate. How does auto insurance work? Can he stay on my policy or will he have to get his own? Right now the car is in my name and paid for. If he moves out I would like to put the car in his name but won't if it affects insurance options.
    We live in Virginia

    • ANSWER:
      Once he moves out, he's on his own and will have to have his own insurance; he can't stay on yours, especially if he's in a higher-rated area. You'll have to give or sell the car to him to do that. Good luck to him!

  14. QUESTION:
    What is the best auto insurance for an adult driver?
    For a driver that is under 25 but older than 21, what is the best auto insurance for a minivan or an suv?

    No accident history.
    No tickets.
    Clean driving record.

    • ANSWER:
      you will find help here http://gsx1.com/InsuranceComparison.html the form will bring back results from some of the top American Insurers, they'll be fighting for your business so chances are they'll be very cheap, hope it helps you, good luck.

  15. QUESTION:
    Where is the most cost effective auto insurance for male under 21?
    I have been getting quotes online from a few places geico, esurance, and others and they are VERY expensive around 315-400 a month plus around 00 down. I have no accidents or tickets in the 3.5 years I've been driving. why is my insurance so expensive? PLEASE HELP!!! BTW I'm 19 years old.

    • ANSWER:
      Statistically, unmarried young males are the highest insurance risk. And the carriers charge accordingly.

      If you can add your car to your parent's policy, do that. Then you can take advantage of their multi-line/multi-car discounts. If you have been an honor roll student, maintain your grades, and that will give you (usually) another discount. If you have been driving for 3 years, you will be eligible for a good -driver discount, providing you do not have points on your record. Some insurance companies offer discounts for certain professions. Check to see if yours does.

      Once you hit 25, or if you get married, your insurance does usually go down. Until then, you just have to suck it up.

  16. QUESTION:
    What is the cheapest auto insurance company for drivers under 21?
    I need some help finding a cheap car insurance company in virginia...
    Let me know what was the cheapest one in your experience
    Thanks!

    • ANSWER:
      You will have to shop around as you do.
      Get a quote from insurers you get from yellow pages or from the web.

  17. QUESTION:
    what is the average cost of auto insurance for a 21 year old male?
    if i could get a price range as well that would be great. i know it changes based on a whole bunch of other things but i would just like to know a general price range and average to budget. thank you

    • ANSWER:
      Costs for auto insurance vary by the type of auto, your personal information, location, driving record, discounts you may be eligible for, et.al. I'm an agent in Texas and it is usually a little higher for someone your age than someone 25 and married...but if you have a clean record that will help tremendously. An independent agent, someone who represents multiple companies, can shop several companies to get you the best rates. Good luck.

  18. QUESTION:
    AIG for Auto Insurance?
    We have had 21st Century auto insurance for years. Recently, they were bought out by AIG. Our policy is up for renewal, and I'm trying to figure out if we should continue. (Their rates are very good compared with others I have looked into.)

    Does anyone know the risks of having AIG for auto insurance? I know they had to get bailed out, but what does that mean for us?

    • ANSWER:
      None. As long as AIG is admitted to sell insurance in your state - and most likely they are - then any claims are guaranteed by the state insolvency fund, if they should go bankrupt.

      BUT, the AIG that sells insurance, is a different company than the bailout one, and are financially rated A by AM Best. They aren't going broke.

  19. QUESTION:
    21st Century Insurance ?????????????
    Is 21st Century good auto insurance. I am on my dads auto insurance. I pay 250 a month for a 03 dodge durango. So I am going to be shopping around in 6 months. I have progressive auto insurance.

    • ANSWER:
      Sure they are a good company. Insurance companies are rated for various things. You can check out their rating and others on either AM Best or JD Powers websites. Remember the cheapest rate is not always the best rate for you.

  20. QUESTION:
    resones on y is not fair 4 males under the age 21 pay more then femlaes under the age 21 4 auto insurance?
    I have an essay do on friday but i need help i have like 1 reason y is not fair 4 males 2 pay more then females which is that we have equal rights and thats a fact 2.

    • ANSWER:
      why do men have to pay more for insurance? there's not a single justification for that ... some women make more money than some men do? where's the justice there?

  21. QUESTION:
    When a male turns 21 does the cost of their auto insurance go down?
    He has had no accidents or tickets, but does need full coverage because he's paying on his car. Thanks

    • ANSWER:
      No. Usually it's 25 or so.

  22. QUESTION:
    Does anyone know a good auto-insurance for first time drivers in New Jersey ?
    I'm well aware that New Jersey has high auto insurance, but I wanted to know does anyone have an recommendations on an affordable auto insurance. I know me being 21 and a male is going to raise it but so far the cheapest would have been progressive for about 0 a month. Any suggestions would help. Thank you

    • ANSWER:
      Wow 0 a month? What are you driving, I pay less than 500 per year. Maybe nice new car uh..
      There aren't good insurers, they are all the same only price changes and if you said you have already looked around what else can you do..

  23. QUESTION:
    what is the best auto insurance for a 21 year old that already had 1 accident at fault?

    • ANSWER:
      Try Progressive !!!! good luck !

  24. QUESTION:
    How much can you lie while obtaining new auto insurance?
    I'd like to know... Whenever you're trying to obtain new auto insurance they take your driver's license number & social security number.. You'd think that they could look up any tickets/accidents you've gotten into. BUT, why do they ask?

    If you "forget" an incident, will they find out?

    This is coming from a 21 year old who was already paying ,200 over 6 months for insurance and was involved in an rear-end collision doing 15 in congestion on the interstate, now my premium is 00 for 6 months.

    • ANSWER:
      First they can tell, so why do they ask...easy.
      They ask you, you lie, they give you insurance and you make first payment, they catch your record and then charge you max which you have to pay because you lied. Its higher then maybe you would have paid, they get you at the highest price they can charge where as before you might have walked away because of the high price.

  25. QUESTION:
    Is a home address necessary to acquire auto insurance?
    I'm 21 and ready to move out of my parents house. I am single and have no one to support but myself. I want the freedom of the open road as well as a way of cheaper living. I've decided to buy a large van and outfit it with all the luxuries of a motor-home. My only concern is, how will I get auto insurance w/o a permanent address? Will I have to use my parents or a friends address?
    Also what about my license?

    • ANSWER:
      for awhile use parents address/after about a year switch to po box/gonna be tough on license as they want house address

  26. QUESTION:
    Can i sue the auto insurance company?
    I had car accident last year at the beginning of August and it took me lawyer 8 months to get my compensation money, but im still waiting for my car repair money from the other guy insurance company (21 Century). My lawyer told me that the other guy insurance is still figuring out how much to pay for my car repair. In my opinion, i think the insurance company shouldn't 9 month+ to figure out how much to pay for my repair. Im thinking to sue but im not sure if that's possible. Do you guy think my Lawyer is not pushing them hard enough? What do you guy think i can do now?

    • ANSWER:
      I think you are not pushing your lawyer enough remember he works for you

  27. QUESTION:
    how much is 21 century auto insurance?

    • ANSWER:
      Huh? ONly 21 century insurance can answer your question

  28. QUESTION:
    Do auto insurance companies typically offer military discount?
    I'm in the New Hampshire Army National Guard, and I'm also 21 and unlicensed. My father says we need to get the one family car we have insured for me before I can even test. Wanted to know if auto insurance companies typically offer military discount, which ones do, and how much usually?

    • ANSWER:
      The only company I know of that offers a military discount is USAA Insurance. None of the 20 or so companies I work with on a daily basis offer one.

  29. QUESTION:
    average cost of auto insurance for 21 year old male?
    i know it changes with companies but i just wanting to kno a ball park estimate so i can budget accordingly

    • ANSWER:
      .50

  30. QUESTION:
    How much will my insurance go up??
    i have 21st century auto insurance and i have been driving since february 2008 and i am 18 years old. i bumped a state vehicle (caltrans) but there was no damage done whatsoever to the vehicle...as for my car...there was a small scratch that i will not repair. however chp said since its a state vehicle they have to report it. how much will my insurance go up??

    • ANSWER:
      CHP doesn't report anything. Your insurance company sends an SR1 if damages are over 0 (CA) or bodily injury. The only way your insurance finds out is if you were cited, you report it or CalTrans reports it.

  31. QUESTION:
    How much is the insurance for a 1980-1992 FERRARI MONDIAL?
    how much is isurance every year for a 1980-1992 FERRARI MONDIAL for a 16 year old in California using 21st century auto insurance.

    PS onlyh liablity insurance

    • ANSWER:
      Keep dreaming, babybeemer.

  32. QUESTION:
    Will my insurance company pay for the damages?
    Who knows the answer to this question:?
    I have a policy with 21st Century Insurance. I also have a teenage son in my house who uses my car to go to school everyday. He is not on my auto insurance policy and he caused an accident yesterday.
    My policy shows that only I drive the car.
    I have never disclosed that he even exists. Did I screw up???????

    • ANSWER:
      Yep, you keep asking the question. And no one here has read your policy.

      Call your agent and ask. There's a good chance they won't pay. There's a chance they will, but add him on since the date he was licensed, and you'll have to pay 5 years of extra charges (if he was licensed at 16).

      ***yes, you screwed up. I went to their web site, and it says, "all regular and occasional drivers must be listed. But on the APPLICATION, it MUST have said, list all household members who are licensed drivers. So by OMMITTING a household member who is a listed driver, you CAN void coverage for that driver.***

  33. QUESTION:
    y is it fair 4 males 2 pay more then females under the age 21 for auto insurance?
    I need at least 3 reason y is it fair. please help me is a essay and is do on thurday just give me 3 reasons

    • ANSWER:
      1 reason is that young males are much more reckless. Also, it has been proven that males under 21 have more crashes than females under 21. Males drive more aggressivly. It has been proven that men are more likely to break the law, and are bigger risk takers.

  34. QUESTION:
    What is the best auto insurance company?
    Any insurance company you have had an unusually good OR bad experience with?

    My family has been with State Farm for a long time, and they always have done a great job working with us (plus my rates don't go up for speeding tickets, which is how it should be). But I just feel like 1 per month (full coverage) is too much for a 21 year old car. Granted its a sports car and I'm a 22 year old male... but still... Thoughts?

    • ANSWER:

  35. QUESTION:
    Rent a car if i dont have any auto insurance?
    I am 21 college student. I want to rent a car for 3 days,but I dont have any car insurance. Is it a good idea to buy the insurance offered by the rental company? If so, which insurance should I buy? Thanks. BTW i have visa credit card , which has some collision insurance.

    • ANSWER:
      It's always a great idea to get the rental companies insurance. They will make sure everything is covered!! And it only costs you about - a day extra for it. But think of how much it would cost if you didnt' get it and had something go wrong?? Go for it.

  36. QUESTION:
    THOSE UNDER 25- how much do you pay for auto insurance?
    1. How much do you pay monthly?
    2. What type of insurance? (eg. liability only, full, etc)
    3. Which insurance company?

    Im 21 years old, I pay /mo, I have full insurance with liability, comprehension and collision, and my insurance company is Anchor General.

    • ANSWER:
      120
      full
      allstate

  37. QUESTION:
    I'm looking for auto insurance, is the General a good auto insurance? Are they reliable?
    I have 21st century and my premium is high, so I looked into the General and they're only charging me half of what I'm used to, but in case of an accident, do they really back you up. I've heard of some crooked companies, would this be one among them.

    • ANSWER:
      hi.........
      To get details regarding autoinsurance and to get more relavent information visit the web site.....

  38. QUESTION:
    Looking for auto insurance good rates im 21. any suggestion?
    Hi I live in Chicago and was trying to find a better auto insurance one who could handle claims quickly

    • ANSWER:
      I recommend you this site where you can compare quotes so you can find the best option for you

      http://www.usinsurancequote.org

  39. QUESTION:
    Car rental insurance? I have auto insurance and credit card insurance.?
    Hi, I'm totally new to car rentals (having just turned 21 a few months ago). I'm planning on getting a car from Dollar Car Rentals. I have auto insurance via AAA and I know that if I use a major credit card, there's some coverage there as well.

    Am I required to purchase insurance through Dollar, or am I able to use my own? What about the credit card coverage?

    Thanks!
    This question is in regards to CAR RENTAL insurance, not typical everyday Auto insurance.

    Thanks.

    • ANSWER:
      If you have an insured car that is parked while you use the rental, The coverage from your parked car will extend to the rental. Most credit cards also provide Collision Damage Waiver insurance if you use the card to pay for the rental. To be sure contact your credit card company and ask. If you have both your own policy and and credit card coverage, you do not need to buy the rental car company insurance

  40. QUESTION:
    What are the top 10 best nationally renowned auto insurance providers?
    examples include companies such as 21st Century, Progressive, Nationwide, etc...

    • ANSWER:
      According to the July 2010 issue of Best's Review, the top ten property/casualty (includes auto) writers are:

      State Farm
      Allstate
      Berkshire Hathoway (owns Geico)
      Amerian International Group (owns/owned 21st Century)
      Liberty Mutual
      Travelers
      Nationwide
      Progressive
      Farmers
      USAA

  41. QUESTION:
    How much does liability auto insurance cost in Florida?
    I am coming up to 21 years old, and moving to Miami in August for a year with a student visa. I am told that it's very useful to have a car in the USA, and as I am a car owner in the UK with almost 2 years of comprehensive with no claims, I was hoping that I would be able to purchase a car in the USA.

    Will this be possible and at what price?

    • ANSWER:
      Hello,

      We often take for granted what a convenience our cars are. I was paying a low price for my insurance, but at renewal time, my insurer tried to increase my rates.

      My friend sent me a link to this site:

      http://www.rent-assistance.org

      They have a free search to compare auto rates from the major insurers. It saved me a lot of money!

      Best of Luck

  42. QUESTION:
    How to figure out the proper auto insurance coverages for:bodily injury/prop damage/uninsured motorist,etc?
    I am 21 years old. I live with my parents. I work full time. I make .50 an hour and live in San Diego County. I just bought a new 2010 Mazda 3 and want to make sure it is insured with the proper coverage amounts. Thanks.

    • ANSWER:
      Well, I have a car that’s worth more than 0.000 so the “proper” coverage you would need if you were to hit me, it’s exactly 0.000.
      And my car is cheap, compared to what I see. You figure it out. I have 0.000 coverage if I hit you and it’s my fault.
      It isn’t gonna happen, still…

  43. QUESTION:
    can i get my own auto insurance if my father bought me a car in his name?
    he is financing it in his name, but i want to put it under my own auto insurance policy, not his. is this possible? i am over 21 fyi. thanks for any helpul advice.

    • ANSWER:
      Of course you can, but you'll be working just to pay for the insurance bill.
      This is what is ruining people's lives in the USA. It's like a honeypot for flies.

  44. QUESTION:
    21st Century Insurance
    When you buy an auto insurance policy, can you add on or remove drivers after you buy the plan if you are paying monthly.

    • ANSWER:
      You should be able to add or remove drivers from your insurance policy...just because you pay monthly premiums you should be able to, after all, you are insured whether its a monthly, 6-month or yearly policy payment...the only thing that might change is your payment (i.e. paying more for the new driver, less for removing one), also a lot of companies offer multi-car discounts, good driver discounts and discounts for security equipment installed ( Lo-Jack,anti-theft alarms)...
      Check with your agent to find out what is allowed.

  45. QUESTION:
    Cheapest Auto insurance for People 19-21 in Ontario?
    Is anyone else in this Insurance mess? theyre Quoting me 566 dollars for most places. can any help me suggest another place that can give me a quote for cheap insurance? im 19 and im buying a Ford F-150 and have my G2.

    • ANSWER:
      To get a accurate quote you need to provide more information, such as the year of the truck, whether you have taken drivers ed. ect.

      Get a quote from http://www.kanetix.ca , they compare all the national companies and give you the best 5 quotes.

  46. QUESTION:
    how can i change my payment method on 21st century insurance?
    because i put in auto pay but i want to change it to a way where i can pay without them charging me for the payment

    • ANSWER:
      Sure, you pay it in full, up front, for the year.

      If you change from autopay, the rate goes up.

      Call them. They'll tell you!~!

  47. QUESTION:
    do auto insurance companies give you choice as to how to handle minor car accident (fender bender)?
    if anyone is an auto insurance agent or works for an insurance company:
    I recently got in a minor car accident (i was at fault; their rear bumper collapsed) and was wondering:
    1. if you could get in trouble for not reporting it with your insurance company right away (and the other party does)
    2. if insurance companies give their clients a choice whether or not they want to pay for damages out of their own pocket (and not have their insurance rate go up) or use their insurance

    (i'm not 21 yet so I'm scared my insurance rate will skyrocket)

    • ANSWER:
      You should report this accident to your insurance company as soon as you can. While the accident may appear to be minor, the damage could be alot more than you think.

      Also, it happens far too often....the other guy may decide that he was "injured" as a result of this accident. I have seen this occur way too often. You would want to have your insurance company handle such a claim.

      If you can work it out with the other guy on your own, go ahead and do so, but beware of additional charges and/or potential injury claims.

  48. QUESTION:
    Can I send a Maserati Quattroporte Evoluzione to the USA and would it be street legal?
    I want to get a Maserati Quattroporte Evoluzione sent from italy or britain to California. But, would it be street legal? And would century 21 auto insurance insure it?

    • ANSWER:
      I asked my mum (she owns an international freight forwarding company) and she says that it could be expensive but yes they would insure it =P

  49. QUESTION:
    Massachusetts Auto Insurance?
    having just relocated to Ma, Im forced to change my auto insurance policy because my big carrier (geico) doesn't carry policies here.. as a matter of fact NONE of the big boys write polocies in mass, that's 21st, geico, stat farm, Allstate, none.. Why is that?

    • ANSWER:
      Massachusetts insurance industry is very heavily regulated -- this is one of the issues in this year's gubernatorial campaign. While regulation is keeping competition from freely entering the market and rates are much higher than in other comparable metro areas, the good news is that among the companies who do underwrite in Massachusetts the rates vary very little. Companies must follow a pre-set rate schedule that is based in part on the driver's experience, number of incidents, and other factors. Insurers are only allowed to deviate a little bit from these rates. Good luck!

  50. QUESTION:
    Where to get GAP insurance on high APR auto loan?
    Hey all. I was an idiot and bought a car at DriveTime. They sold me the car at 21% APR. I am very upside down on this auto loan and need to get GAP insurance just in case. Every provider I've found limits 12.5%. Anyone know of any other providers which have a higher APR limit? Thanks.

    • ANSWER:
      Wow, well, have you called the insurance company where you insure the car? That's probably the BEST place to get the gap from.

      Although they won't cover any negative equity rolled into the loan.

      Besides that, either drive very, very carefully for the next three years, or sell the car/cancel the deal - even if it costs you. Sounds like it's going to cost you about three times what it should, anyway.


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