Geico Insurance and 21st Century Insurance - an offline and online comparison

October 10, 2022

When it comes to auto insurance, Geico and 21st Century are pretty well known. Geico is considered larger, thanks largely to their massive marketing campaigns. While a person looking for auto insurance may not sign up with Geico, they almost always get an offer from them just because they remember the brand.

On the other hand, 21st Century has a very nice slogan: “You live in the 21st century. This immediately gives the potential customer the feeling that they are signing up with a carrier who understands car protection and the issues in today's world.

Marketing aside, which is the better provider?

Geico Insurance: Online Presence, Offline User Experience

Since Geico is such a large company, it's no surprise that their website is also very large and detailed. The site is user-friendly, easy to navigate, offers good ways to get a free quote quickly, and has an excellent online system for making claims. There is also lots of information you can read about other types of coverage on their website such as flood insurance, overseas coverage, condo policies and more!

Offline, user reviews about Geico are mixed. On the plus side, people believe the airline offers very competitive fares, provides great customer service and that their claims were resolved quickly. Still, there are some who complain that once you start making claims, it's a nightmare. Those for Geico argue that everything is written in the fine print. So if your contract doesn't cover a specific thing, your claims in that regard won't be paid. Of course, many argue that they have valid claims and just aren't getting paid.

21st Century Insurance: Online Presence, Offline User Experience

As for their website, 21st Century's seems a bit too basic. However, start clicking around and you'll soon land on the information you need. It's easy to get a quote, they offer various other types of policies (earthquake, flood, homeowner, etc.) and they also offer a great way to file claims online.

Offline, there is one negative thing that resonates throughout our research: many are dissatisfied with their customer service. In fact, many complain about being hung up on (!) while asking for a quote or making a claim.

On the bright side, many agree that the company remains true to its claim that it offers lower auto insurance rates.

Since everyone has their own unique situation, it's important that you do extensive research before signing up with ANY auto insurance provider. To get started, call Geico and 21st Century for a free quote and see for yourself how their agents treat you. Once you get the quote, compare it point by point. Pay attention not only to the premium rate, but to what it actually covers.

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

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