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21st Century Auto Insurance Brings a “Flash Flood” of Reasoning

Written by Michele Wilmonen. Posted in Advertising, Research Last Updated: 11/15/2012

Sometimes there is no reasoning with people, but this time 21st Century Auto Insurance floods the viewer with reasons why they are better.


Commercial opens with a red convertible under the 21st Century Auto Insurance logo facing a light blue convertible under the GEICO logo. The silent 21st Century representative walks the best he can on the screen. He is wearing a swimming cap, old fashioned swimsuit, water wings and flippers.

Announcer: Here at 21 Century, we get it. Car insurance isn’t sexy, it’s…eh…practical.

Representative dips down and puts a nose plug on.

Announcer: Which means when you need it, you just want it to be there for you.

A string with a big, white handle falls in front of the guy on the screen and he pulls on it, releasing a flash flood of water pouring into the two cars behind him.

Announcer: Now, some insurance companies want you to think that their coverage is better. Well, we here at 21st Century say, “Poppycock”! Well, ok, we don’t say it very often, but we do say it, and we can prove it. These identical cars have different insurance providers, and of course, both policies cover flash flood damage.

The car doors open and water comes pouring through. The screen changes to read “A Few Days Later”.

Announcer: So both cars get repaired.

Screen changes to read “Switched from GEICO/ 21st saved $508 a year”

Announcer: But drivers who switched from GEICO to 21st save an average of 508 dollars a year for the same coverage.

Screen changes to where Progressive is now where GEICO was and the $508 goes up to $550.

Announcer: Drivers who switch from Progressive to 21st, they save even more. Now that’s practical. Call 888-GET-2121 and see for yourself, or visit 21st Century Auto Insurance, the same great coverage for less. The information being provided by the announcer is also on the screen.

Singers sing the diggity song and commercial closes with the red screen and the 21st logo as well as the “Same great coverage for less”.

Point of Commercial

The last year or so the 21st Century Auto Insurance commercials have focused on the fact that insurance coverage is the same from company to company. That the only real difference is how much each company charges for their coverage.

What They Want You to Do

Like all insurance companies, 21st Century would like you to switch to them. They are providing you with a visual of how insurance is the same from company to company, want you to laugh about it, and then really think “Hey if it is all the same, why am I paying more at my current company?”

My Thoughts

These 21st Century Auto Insurance commercials make me wonder why I’m not insured with them, because our way of thinking about insurance is the similar. All insurance coverage is pretty much the same; the only difference is the cost. Well, the cost and how the company treats their customers.

Then I smack myself on the head as I remember, I am insured with 21st Century……sort of. My insurance is with Farmers, who in turn owns 21st Century. Yeah, I know it’s a stretch, but I’m still staying put with the parent company, for now.

As far as the 21st Century Auto Insurance commercial, I have to say that I like this representative more than I like Flo from Progressive at the moment. Maybe it’s because he doesn’t talk, his reactions and facial expressions are hilarious, and 21st Century hasn’t inundated us with him to the point of getting annoying like Flo has reached.

Giving this 21st Century Auto Insurance, flash flood commercial a thumbs up.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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