Update 07/02/20 -
Status of Refund Checks
All refund checks have been issued to
policyholders that qualify for the premium reduction. You should
have received the letter confirming the amount and the refund
check, in the mail.
We continue to monitor state
mandates, and the impact of Coronavirus (COVID-19) on driving
activity to determine if any additional actions are warranted.
Thank you for being a valued customer.
Update 05/21/20 - Update On Our Premium
Reduction Plan
We at 21st Century Insurance
appreciate your patience as we work towards generating your
premium reductions. We want to inform you there has been a slight
change in how your premium reductions will be applied.
We previously indicated that we would apply the premium reduction
directly to your policy balance. However, in order to be as
efficient as possible in generating the premium reductions for
our customers, we decided to send all
policyholders that qualify for the premium reduction, a refund
check in the mail. You will not see a credit applied to your
policy. Instead, you will receive a refund check.
We anticipate the refund checks will
start being issued within the next few weeks. You will receive a
letter confirming the amounts of the premium reduction for both
April and May, if applicable. The check will follow in a separate
envelope.
In addition we have extended the
pausing of cancellations until May 31st to help relieve some of
the financial stress being felt by our customers.
FAQs: Update On
Our Premium Reduction Plan
How do I know if I qualify for both April and May?
Eligibility has not changed. To
qualify for both April and May Premium Reduction, your policy
would need to be in force on April 1, 2020 and May 1, 2020.
When should I expect my refund check?
We anticipate the refund checks will start being issued within the next few weeks.
Update 05/01/20 - Additional 15%
reduction for May
In an effort to provide additional
relief to our customers, 21st Century Insurance is providing a
15% reduction in May auto premiums. May's premium credit
reflects a continued reduction in miles-driven, but anticipates
increased driving activity based on trending data from recent
weeks.
In addition we have extended the pausing of
cancellations until May 22nd to help relieve some of the
financial stress being felt by our customers.
*Update 05/21: Pausing of cancellations has been extended until May 31st.
FAQs: Additional 15%
reduction for May
*Update 05/21: You will not see a credit applied to your policy. Instead, you will receive a refund check. See the " Update On Our Premium Reduction Plan " for more information.
Who is eligible to receive the May premium reduction?
Your policy has to be active on May
1, 2020 to qualify for May's premium reduction.
How can I estimate the amount for the May premium
reduction?
Here's how you can calculate the estimated premium reduction:
- Start with the amount of the premium that was in effect on 05/01/20, excluding any fees.
- Next, divide by 6, the length of your policy term.
- Then multiply by 0.15. The result is the total premium reduction May.
*Other factors could affect this
estimate such as amendments made to your policy during the term.
Please continue to pay the invoice
amount billed. Once your credit is processed, it will reflect on
your invoice or automated pay schedule statement.
What do I need to do to receive the 15% reduction for May?
No action is needed from you. If
applicable, we will combine April and May's premium
reductions and apply it directly to your current policy balance.
If you recently paid your account in full or the reduction
results in a credit balance, we will issue you a refund check for
the amount remaining on your policy. Note: If your policy became
effective after April 1, 2020 you will only be eligible for the
May premium reduction.
When will my account reflect the premium reduction?
We anticipate premium reductions will
start being processed within 90 days. You will receive a letter
confirming the premium reduction for both April and May, if
applicable, once it has been applied to your policy.
Update
04/25/20 - Premium reduction for March and April
At 21st Century Insurance, we
continue our commitment to help our valued customers. In an
effort to lessen the financial burdens our policyholders are
currently facing and in recognition of the changed driving
environment resulting from the stay-at-home guidelines issued by
California, we are providing a premium reduction. The amount of
the reduction is reflective of the changed vehicle usage from the
start of the stay at home order issued in March through April.
We will calculate the premium
reduction for your policy by taking the amount of the premium
that was in effect on April 1, 2020 and dividing by 6, then
multiplying by 0.25. You can use this formula to estimate your
total premium reduction. Other factors could affect this estimate
such as amendments made to your policy during the term.
No action is needed from you, as the
reduction will be applied directly to your policy balance. We
anticipate premium reductions will start being processed within
90 days. You will receive a letter confirming the premium
reduction once it has been applied to your policy. If you
recently paid your account in full or the reduction results in a
negative balance, we will issue you a refund check for the amount
remaining on your policy.
This is in addition to our previously
announced initiatives to implement additional flexible payment
plans and pause cancellations to help relieve some of the
financial stress being felt by customers. (Scroll down for more
detail.)
We will continue to assess additional
ways to take care of our customers as things progress over the
coming weeks. Please check back later. We will update this site
regularly.
We value our customers and are proud
to serve you. Please stay safe and healthy!
FAQs: Premium reduction for March and
April
*Update 05/21: You will not see a credit applied to your policy. Instead, you will receive a refund check. See the " Update On Our Premium Reduction Plan " for more information.
Who is eligible to receive the premium reduction?
21st Century auto policies that were
active on April 1, 2020 qualify for the premium reduction.
Policies canceled on or after April 2, 2020 will still qualify,
as they were active on April 1, 2020.
Who is not eligible to receive the premium reduction?
New 21st Century auto policies that
were purchased or effective after April 1, 2020 will not qualify
for the April reduction.
Note: You may qualify for the May premium reduction. See " FAQs: Additional 15% reduction
for May " above for more detail on eligibility.
How is the premium reduction calculated?
Here's how the reduction is calculated:
- Start with the amount of the premium that was in effect on 04/01/20, excluding any fees.
- Next, divide by 6, the length of your policy term.
- Then multiply by 0.25. The result is the total premium reduction for both March and April.
For example, if on April 1 your full-term six-month premium was
$1,000:
- Take $1,000, divide by 6 months = $166.67. This is the amount you pay monthly.
- Then multiply $166.67 x 0.25 = $41.67 premium credit
* Other factors could affect this
estimate such as amendments made to your policy during the term.
What do I need to do to receive my premium reduction?
There is no action required by you.
The reduction will be applied directly to your current policy
balance. If you recently paid your account in full or the
reduction results in a credit balance, we will issue you a refund
check for the amount remaining on your policy.
When will my account reflect the premium reduction?
We are making the necessary
modifications to our billing systems. We anticipate that the
premium reductions will start being processed within 90 days.
How will I be notified when the premium reduction has been
applied?
You will receive a letter confirming
the premium reduction, once it has been applied to your policy.
Will there be additional reductions or credits in the
future?
We will continue to monitor state
mandates and the impact of Coronavirus (COVID-19) to determine if
any additional actions are warranted.
Update
04/09/20 - Information on pausing cancellations, renewals and
deferring payments
We at 21st Century Insurance have
been mindful of the Coronavirus (COVID-19) and continue to
monitor the situation closely. We know that many of our customers
may be facing financial challenges during this time and we want
to help. In addition to complying with any state mandated
actions, we are making adjustments to allow extra time for you to
pay for your 21st Century Insurance auto policy.
Pausing Cancellations
The first step we're taking is
temporarily pausing policy cancellations due to non-payment
through May 1, 2020. This means you will have until at least May
1 to make a mid-term payment, if one is due, before your policy
will cancel. Any additional time to pay past May 1 will be shown
on your current or upcoming billing notice(s). We will also waive
any late fees.
We appreciate your patience as we
work toward our temporary exception handling of cancellations. If
you recently received a notice of cancellation or receive one
prior to May 1st, please contact us to review your policy and
make any necessary accommodations.
Renewals
We also understand that some
customers who intend to renew their insurance with 21st Century
may be experiencing financial difficulty. If you receive a notice
that your policy is expiring and you need additional time to pay,
please contact us and we will extend your due date until at least
May 1 and waive any late fees. To make such a request, call us at
1-800-241-1188 during our operating hours (Monday - Friday
7am-7pm PST & Saturday 7am-6pm PST).
What to expect if you defer payment
Through these actions we are
providing additional time to pay while still maintaining your
coverage. Therefore, your premium for this coverage will continue
to accumulate. If you are able to pay your bill on time, or even
a portion of your bill, we recommend you do so to prevent a large
balance due when normal billing operations resume.
We will continue to monitor state
mandates and the impact of Coronavirus (COVID-19) and determine
if these dates should be extended further. We thank you for being
a valued customer, and we are proud to serve you.
From everyone at 21st Century
Insurance, we want to say thank you for your business.
William D Loucks Jr. President, 21st Century Insurance
FAQs: More time to pay and deferring
payments
*Update 05/21: Pausing of cancellations has been extended until May 31st.
If I have been impacted by COVID-19, can I get more time
to pay?
We are temporarily pausing policy
cancellations due to non-payment through May 22, 2020. This means
you will have until at least May 22 to make a mid-term payment,
if one is due, before your policy will cancel. Any additional
time to pay past May 22 will be shown on your current or upcoming
billing notice(s). We will also waive any late fees.
If you receive a notice that your
policy is expiring and you need additional time to pay, please
contact us and we will extend your due date until at least May 22
and waive any late fees. To make such a request, call us at
1-800-241-1188 during our operating hours (Monday - Friday
7am-7pm PST & Saturday 7am-6pm PST).
What should I expect if I defer payment?
Through these actions we are
providing additional time to pay while still maintaining your
coverage. Therefore, your premium for this coverage will continue
to accumulate. If you are able to pay your bill on time, or even
a portion of your bill, we recommend you do so to prevent a large
balance due when normal billing operations resume.
Additional helpful links and contact
information
How can I make a payment?
To make a payment in the amount of your bill:
- Call us any time at 1-800-241-1188 and make a payment through our IVR.
- Make a payment online by going to 21st.com
- Or use our mobile app.
If you wish to make payment
arrangements, please call us at 1-800-241-1188 during our
operating hours (Monday - Friday 7am-7pm PST & Saturday 7am-6pm
PST).
How do I file a claim?
If you need to file a claim, you can do so online,
or by calling 1-888-244-6163. Our claims representatives have
online tools to help them assist customers throughout the claims
process. Should your claim require an in-person visit, we are
closely monitoring and applying the most up to date CDC
guidelines and recommendations.
What if I need Roadside Assistance?
We know you may be on the road and
need help. Roadside Assistance is currently active and our team
is here to assist you. If you need roadside assistance, just call
the number on the back of your ID card/1-800-439-5587.