21st Century Ins & Casualty Discounts
Terms
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PROOF
PCO – 07 Engineers
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of bachelor's degree or higher in a field of engineering
OR
Copy of license granted by the CA Board for Professional Engineers & Land Surveyors
OR
Copy of license granted by the CA Board of Registration for Geologists and Geophysicists -
ELIGIBILITY
PCO – 07 Educators
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Licensed Educators and Educational Administrators -
PROOF
PCO – 07 Educators
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of clear, professional clear, life, preliminary or emergency credential from the CA Commission of Teacher Credentialing
OR
Letter from employer verifying full-time employment as an educator
OR
Copy of School Service Credential from the CA Commission of Teacher Credentialing
OR
Letter from employer verifying full-time employment as an educational administrator -
ELIGIBILITY
PCO – 07 Scientist
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Degreed Scientist -
PROOF
PCO – 07 Scientist
21st Century Insurance
21st Century Casualty
California - Copy of bachelor's degree or higher in Actuarial Science, Aerospace, Agricultural Science, Animal Science, Anthropology, Archeology, Astrobiology, Astronomy, Behavioral Science, Biochemistry, Biology, Biomedical Science, Biophysics, Chemistry, Cognitive Science, Earth Science, Ecology, Economics, Environmental Science, Epidemiology, Food Science, Forestry, Geography, Geology, Geoscience, History, Marine Science, Materials Science, Math Science, Meteorology, Microbiology, Neurobiology, Neuroscience, Ocean Science, Paleontology, Physics, Political Science, Polymer Science, Psychology, Sociology, Soil and Plant Science, Statistics, Toxicology, Urban Studies, Wildlife Biology or Zoology
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ELIGIBILTY
Multi Car Discount - MCD
21st Century Insurance
21st Century Casualty
California -
Available when 21st provides liability coverage for
- Two or more vehicles owned by the same policy holder and/or relatives in the same household
- Two or more vehicles co-registered to the same policy holder and garaged in the same location
NOTE: Vehicles insured for only comp and/or collision do not quality for this discount -
IMPACT on Premium
Multi Car Discount - MCD
21st Century Insurance
21st Century Casualty
California -
The reduction in premium will vary based on other rating factors on a policy.
To determine what the premium difference is with the discount quote the policy the opposite of how it is currently rated (i.e., currently had MCD, quote without) -
WHAT IT ISÂ…
PCO – 07
21st Insurance and Casualty
California -
Group Program with lower rates for qualified
Engineers
Scientists
Teachers -
ELIGIBILITY
PCO – 07 Engineers
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Degreed or licensed Engineers in any field of Engineering -
PCO – 07
21st Century Insurance
21st Century Casualty
California -
Group Program with lower rates for qualified
Engineers
Scientists
Teachers -
WHAT it is
Anti-Theft
21st Century Insurance
21st Century Casualty
California - A 15% discount is applied to the Comprehensive coverage premium of any vehicle equipped with an approved Anti-Theft device
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PCO – 08
21st Century Insurance
21st Century Casualty
California -
Group Program with lower rates for qualified...
Licensed Architects
Certified Public Accountants
Licensed Dentists
Licensed Medical Doctors/Surgeons and Veterinarians
Licensed Pharmacists
Degreed Computer Professionals
21st Century Insurance Employees (Full-Time and Part-Time) -
ELIGIBILITY
PCO – 08 Architect
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Licensed Architects -
PROOF
PCO – 08 Architect
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of license from the CA Architects Board -
ELIGIBILITY
PCO–08 Certified Public Accountant (CPA)
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Certified Public Accountant (CPA) -
PROOF
PCO – 08 Certified Public Accountant (CPA)
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of CPA License from the CA State Board of Accountancy -
ELIGIBILITY
PCO – 08 Computer Professional
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Degreed Computer Professional -
PROOF
PCO – 08 Computer Professional
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of bachelor's degree or higher in a computer related field
OR
Copy of bachelor's degree in any field AND a letter from employer verifying employment in a computer related field; or a job description with the insured's name & company designation; or a pay stub or business card with the insured's name & clearly stated computer job title -
ELIGIBILITY
PCO – 08 Dentist
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Licensed Dentist
NOT a Dental Technician -
PROOF
PCO – 08 Dentist
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of License from the CA Board of Dental Examiners -
ELIGIBILITY
PCO – 08 21st Century Employee
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
21st Century Insurance Employees
Full-time or Part-time [24 hours per week] -
PROOF
PCO – 08 21st Century Employee
21st Century Insurance
21st Century Casualty
California -
PROOF
Verified through 21st Century Human Resources Department -
ELIGIBILITY
PCO – 08 Pharmacist
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Licensed Pharmacist -
PROOF
PCO – 08 Pharmacist
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of License from the CA Board of Pharmacy. -
PROOF
PCO – 08 Physicians / Surgeons
21st Century Insurance
21st Century Casualty
California -
PROOF
Copy of License from the Medical Board of CA,
Copy of License from CA Board of Podiatric Medicine
Copy of License from the Osteopathic Medical Board of CA -
PROOF
PCO – 08 Psychiatrists Clinical Psychologists Clinical Social Workers Psychoanalysts
21st Century Insurance
21st Century Casualty
California -
Proof
Copy of License from the CA Board of Psychology which requires a PhD in psychology.
Copy of License from the CA Board of Behavioral Sciences which requires PhD or Masters in appropriate coursework -
PROOF
PCO – 08 Optometrist / Ophthalmologist
21st Century Insurance
21st Century Casualty
California -
Proof
Copy of License from CA Board of Optometry -
PROOF
PCO – 08 Veterinarian
21st Century Insurance
21st Century Casualty
California - Copy of License from the CA Veterinary Medical Board.
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IMPACT on premium
Group Programs PCO–07 and PCO–08
21st Century Insurance
21st Century Casualty
California -
There is no set percentage for the difference in premium for either the PCO-07 or PCO-08 group program.
Both programs have a reduction in the premium base rate.In order to tell the customer what the difference is a quote is required. -
PROOF
Anti-Theft
21st Century Insurance
21st Century Casualty
California -
Proof of installation of an approved Anti-Theft device
- LoJack
- Teletrac
- OnStar
- Mobile Mayday
- Force Tracker
- On-Guard
- Infiniti Communicator
- Lexus Link
- Network Car theft recovery -
ELIGIBILITY
PCO – 08 Physicians / Surgeons
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
Doctors (MDÂ’s)
Surgeons (MDÂ’s)
Licensed Osteopath
Veterinarians
Optometrists
Ophthalmologists
Degreed Social Workers (MCSW) Psychologist Psychiatrist -
ELIGIBILITY
Mature Driver Discount (MDD)
21st Century Insurance
21st Century Casualty
California -
ELIGIBILITY
50 years of age or older
No moving violations of AF accidents within the most recent 36 months
Must be rated as the principal operator (PO)
Must have completed an approved MDD course within the most recent 36 months and have a dated certificate -
PROOF
Mature Driver Discount (MDD)
21st Century Insurance
21st Century Casualty
California - A dated certificate indicating completion of an approved Mature Driver Discount (MDD) course within the most recent 36 months
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IMPACT on premium
Mature Driver Discount (MDD)
21st Century Insurance
21st Century Casualty
California -
A 2% (two) discount on the premium for Bodily Injury (BI), Property Damage (PD), Medical Payments (Med Pay) and Uninsured Motorist Bodily Injury (UMBI).
Valid until the renewal following the 3 year anniversary of the certificate. -
ELIGIBILTY
Good Student Discount (GSD)
21st Century Insurance
21st Century Casualty
California -
Must be a rated driver (PO or OC); At least 16 years old, single with less than 9 years of driving experience
Full-time high school, college or university student with at least 12 units, or a graduate student with at least 8 units (Trade/Technical school students do not qualify)
No chargeable accidents No convictions of a chargeable moving violation No convictions of a traffic-related offense involving alcohol or narcotics. -
PROOF
Good Student Discount (GSD)
21st Century Insurance
21st Century Casualty
California -
Good student discount certificate (TCU-294) with
- An official school stamp
- Signed & dated by a school administrator for immediately preceding school semester/quarter/comparable segment verifying the student was named on the honor roll/dean's list/has a GPA of 3.0 (B) or better/in the top 20% of class
OR-Graduated from a 4 yr college/ university & maintained the qualifications listed above during the last 2 yrs of his/her schooling
Any school document with the above information -
IMPACT on Premium
Good Student Discount (GSD)
21st Century Insurance
21st Century Casualty
California -
10% discount for females
15% discount for males
Applies to BI, PD, Med pay, UMBI, Comp, Collision, and UMPD $3,500 coverages applicable to the insured motor vehicle the driver is rated on -
WHAT it is
Mixed Policy
21st Century Insurance
21st Century Casualty
California - A slightly better rate given to non-good drivers when there is another driver in the household who has maintained his/her good driver status for the preceding 36 months
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ELIGIBILTY
Mixed Policy
21st Century Insurance
21st Century Casualty
California - Mixed Policy applies when One good driver on the policy has maintained his/her good driver status for the past 36 monthsWhat to look for: 6 or more good driver terms