21st century insurance

in your day

away we go Halls of fame to suit every sporting fan

the job huntask yourself 5 questions

car care wHat your wHeels really need

same great coverage for less

winter 2011

+also how to save money on your insurancePAGE 22

page 12

magaz ine

same great coverage for less

CONTENTS ISSUE 1

DEPARTMENTS

ALSO INSIDE

We know you’re busy and that you also love a good

deal. After all, you chose 21st Century Insurance

because we offer the Same Great Coverage for Less.

This magazine is packed with useful tips and tidbits

to help you save money, simplify life and generally

get more out of your day.

Part of making life easier is fi nding ways to save

time. Our feature “The Time Equation” on page 12 will

actually free up hours in your day—and who couldn’t

use an extra couple of hours right now? We’re also

saving you time in other ways with mobile applications

that allow you to view your policy, pay your bill, contact

roadside services and more—right at your fi ngertips.

And while we offer these services, it’s important to

note that using your mobile device while driving is not

an option you should consider. Not only is it illegal in

30 states and counting, but it’s also dangerous. Texting

and driving has become a bigger problem than accidents

related to alcohol and is now the number one traffi c

killer of teens. Check out page 4 for more information

on distracted driving.

So what will you do with all your free time? Paint a

room. Donate to charity. Find the job you’ll love. Please

your pet. You’ll fi nd tips on all this and more inside.

Welcome to 21st Century magazine.

4 WHAT’S NOWNew year’s resolutions that your furry friend

can really get behind; how to spend the

$2.2 million burning a hole in your pocket.

6 UNDER THE HOOD Five ways to treat your car right—including

signs that it’s time to call your mechanic; what

to do during a roadside emergency.

26 KEY QUESTIONS The fi ne print of your insurance coverage,

presented in a not-so-fi ne-print fashion.

9 ON YOUR WAY Find a job with heart.

24 HOME SENSE Sell your house faster.

SAME GREAT COVERAGE FOR LESS

FEATURES

WHAT’S YOUR

STORY?JOIN US ON A DRIVE DOWN

MEMORY LANE, AS WE CELEBRATE THE UPS AND DOWNS THAT CARS BRING TO OUR LIVES.

18

HAIL YES! ADMIT IT: You just can’t get enough of our hard hat–donning, jumpsuit-clad spokesperson. We think he’s pretty great, too. Well, you can see more of him online.

Next time you’re on YouTube, search for “Same Great Coverage for Less” and get a behind-the-scenes look at our commercials. Or, fi nd a link to the video on our Website—21st.com.

(Plus, you’ll fi nd out how we made it rain golf ball–sized hail.)

10GOING PLACES

READY, SET, RIDE!Sporty halls of fame that will inspire you to pack up the car and hit the open road.

22LIVING EASIER

BUDGET 411Develop a spending plan you can embrace—not fear. (We think you might even fi nd it fun!)

from the president

Insurance provided through 21st Century Insurance and Financial Services, Inc. (or in Michigan through 21st Century Insurance Agency), Wilmington, DE, agent for its affiliated personal lines insurance companies.

21st Century Insurance is proud to be part of the Farmers Insurance Group of Companies®, the third largest personal lines insurer in the United States. With over 25,000 employees serving 20 million customers nationwide, Farmers has been providing outstanding value and service to families for over 82 years. It’s the same foundation on which we’ve built our relationship with you, our customer. Copyright © Farmers Insurance 2011. All rights reserved.

12 on the coverCREATE MORE TIME IN YOUR LIFE. Invest 10 minutes reading our cover story, and you could gain 6 gloriously free hours per week.

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21ST CENTURY INSURANCE 2 21ST.COM 21ST CENTURY INSURANCE 2 21ST.COM4 5

REDUCE, REUSE, RECYCLE, REGIFTThe gift-giving season sometimes leaves us wondering how well the well-intended giver knows you. And while Aunt Joan may again have forgotten why you don’t need ear warmers (you live in Florida!), fi nd comfort in knowing that you can pass them on to someone who does need them.

Try signing up for your local chapter of Freecycle.org, an online gifting site where donors discover fi rsthand that one person’s trash is truly another’s treasure. Or, post the perplexing gift under the “free” section on craigslist.org. You’ll be amazed at how quickly the responses start rolling in.

If you don’t want to deal with the back and forth that comes with posting online, you can always go the old-school route and donate Aunt Joan’s present to the nearest Goodwill Industries (locator.goodwill.org) or Salvation Army (salvationarmyusa.org).

If you think “distracted driving” is just another term for what teens do when they use their cell phones behind the wheel, you are, BTW, so wrong.

In fact, it’s a dangerous habit that both adults and kids are guilty of, and it takes three forms: manual, cognitive and visual. Fiddling with your GPS, disciplining your passengers, eyeing the gorgeous Austin Healey 3000 in the lane next to you—it all counts.

Distracted driving is anything that takes attention away from operating the 6,000-pound vehicle in

your hands. So, before you give those texting kids a hard time, think about all the ways you may be falling prey to this bad behavior. Then, make sure your focus stays on the road.

Make the pledge to drive right: Commit to never text and drive at nophonezone.com.

If you have a couple extra million dollars on hand, we’ve got just the thing: The Bugatti Veyron is the world’s fastest accelerating street car. It can take you from 0 to 60 mph in 2.5 seconds. But you’ll need to move even faster if you're interested—the company only made 50 of these speedsters.

For a mere $2.2 million, impress your friends with the 1,018-horsepower Koenigsegg Trevita. Only three were produced (thus the name Trevita, which means “three white” in Swedish), so you’re sure to be the only one on your block with the vehicle’s proprietary glittering silvery white carbon composite fabric.

At the other end of the spectrum—if millions aren’t in your budget this year or this lifetime—how about scoring your wheels for only $2,500? Dubbed “the people’s car,” the Nano is currently sold in India and stretches only 10 feet from nose to tail.

If you’re looking to save on gas, don’t overlook a high-mpg model like the Toyota Prius, which gives the average driver an annual fuel cost of about $855—not to mention the satisfaction of knowing you’re doing your part to help Mother Earth.

From high-end to low-end, cost conscious to earth conscious—check out the range of vehicles available to get you where you’re going.

THE YEAR OF THE DOG

M EAT HEALTHY. You might think those fattening cookies and super-salty chips are only bad for you, but don’t forget, I’m the one licking up the crumbs.

M EXERCISE. Have you looked at my gut lately? The only chance I have at getting a workout is when you take me for walks or, better yet, runs.

M CURB YOUR SPENDING. Every hour you spend on your shopping sprees means one hour less with yours truly. Fair? I think not.

M LEARN A NEW SPORT. I hear frisbee offers hours of entertainment.

M WATCH LESS TV. Not to be rude, but you really are a bore when you’re zoned out in front of that glowing box.

M VOLUNTEER FOR A CHARITY. I have a few pals over at the Humane Society who could use your help.

M MAKE NEW FRIENDS. I’ve never been a fan of that guy who doesn't pet my stomach. And that lady who worries about getting dog hair on her clothes? Not cool.

M GET A NEW JOB. How about one of those work-from-home gigs? This 9-to-5 business is really cutting into our quality time together.

Sure, it may seem like Fido’s only goals are chasing balls and lounging on your furniture, but he's put some thought into your new year’s resolutions. In his own words (translated from Bark for easier reading), all the things Fido wants you to focus on in 2011:

DISTRACTED?

Wheel Deals

CHECK US OUT:

WE’VE GOT OUR OWN APP If you’re one of the 20 million people in America who has a phone smarter than the average dolphin, then you’ll want to get the 21st Century Insurance iPhone application.

Apple is a registered trademark of Apple, Inc. All rights reserved

STEP 1:

Go to Apple® iStore.

STEP 2:

Download the app.

STEP 3:

Accomplish all this on the go:

- Pay your insurance bill, using 21st AutoPay.

- Review policy details.

- View your insurance ID card.

- Give feedback on our services and products.

- Check out 24-Hour Roadside Assistance options.

DID YOU KNOW? The beginning of the year is one of the most popular times for renewing auto insurance. If your policy’s up soon, keep it simple. Visit 21st.com or call (877) 310-5687 to make easy updates to your policy and to get set up on the 21st AutoPay bill pay program.

WHAT’S NOW

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21ST CENTURY INSURANCE 2 21ST.COM 7

Regular maintenance is like preventive medicine for your car. It keeps little problems from becoming expensive repairs or safety hazards. To keep your wheels humming happily along, follow these fi ve service tips:

1Plan upkeep according to the manufacturer’s suggestions. Talk with your mechanic about adapting these guidelines and

recommendations for your climate and driving style. Consider changing your oil a must, and plan for wheel alignments, tire rotation and tire balancing on a routine basis.

2If you hear, feel or smell something unusual, or if indicator lights or temperature gauges signal trouble before you’re due in the

shop for work, call for an appointment.

3 Check your tires periodically. Keep them infl ated to the proper pressure in order to optimize performance and gas mileage.

Measure the tread. In most states, tires are legally worn out when they have only 3/32 inches of remaining tread depth.

4Keep your car clean inside and out. And washing it by hand provides a good chance to check for loose trim, cracked lights

and road dings that may need attention.

5Store a notebook for maintenance and mileage history in your glove compartment, and fi le your receipts at home. Not only will

following these steps help keep you safe on the road, you’ll also improve your car’s resale or trade-in value in the long run.

Well-Car CareSAFETY FIRSTFollow these precautions if you have car troubles on the road.

M Use your indicator to signal your intentions. Then slow down and pull off to the side of the road.

M Turn on your emergency fl ashers and, at night, interior light.

M Place one fl are or warning device just behind the vehicle and another at least 300 feet back.

M Return to your vehicle, buckle up and sit tight—unless you’re in a particularly risky spot, like a curve or the crest of a hill. In that case, get out of the car and away from traffi c.

M Covered vehicles on your policy are automatically protected with Security Advantage program, so this would be a good time to call 21st Century roadside assistance, (800) 381-5407.

IS IT TIME TO CHANGE YOUR WIPERS? Replacing windshield wipers is an inexpensive, easy task that’s often overlooked until, well, you can no longer look out.

First, some perspective: Most blades lose effectiveness after about six months. Plus, according to Consumer Reports, paying

a higher price doesn’t necessarily mean a longer lifespan or greater effectiveness.

So be sure to replace your wipers in time for winter driving and before sunny-weather road trips. In between, replace wipers

if the blade arm is bent, the rubber is brittle, cracked or split, or the edge of the rubber is worn or warped.

WHEN BAD THINGS HAPPEN TO GOOD PEOPLECut out and save these directions for common car calamities.

A TIRE BLOWS

- Don’t slam on the brakes.- Gradually release the accelerator. - Correct the steering to regain control.- When the vehicle is stabilized, continue to slow down

and pull off the road.

ENGINE OVERHEATS

- Turn your heat up as high as possible.- Pull over and open your hood. - Think happy thoughts and practice deep breathing while

you wait for the engine to cool down. Then, add about a half cup of water to your antifreeze reservoir as a temporary measure. If there’s no room to add more liquid, it may be hose trouble.

YOU STRIKE AN ANIMAL

- If the animal remains on the highway after you strike it, report the incident to a local law enforcement agency.

- If your vehicle is damaged, pull over, stay in the car and wait for assistance.

- If the animal might still be alive, don't go near it.

UNINTENDED ACCELERATION

- Brake fi rmly, without pumping. - Shift into neutral.- Do not turn off the vehicle because it will diminish

steering and braking ability.- Steer to a safe location and slow to a stop.- Shut off the engine while still in neutral.- Shift into park, set the emergency brake.

What your vehicle really wants, right now.

UNDER THE HOOD

CLAIMS PROCESSING 101If a time comes when you need to submit a claim, our HelpPoint Claim Services by Farmers® will make the experience as simple and stress-free as possible. We like to think of it as the silver lining of your dark cloud.

Call (888) 244-6163 any time of day, any day of the week to reach one of our 12,500 knowledgeable claims professionals. We offer:

- The Farmers Direct Repair Program, a network of 2,500 repair facilities nationwide.

- A Mobile Claim Center that provides on-the-scene service during a catastrophe.

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COMMUNITY NEWS

At 21st Century Insurance,

helping customers to get the Same Great

Coverage for Less is high on our to-do list.

But helping improve the lives of people in

need is up there too. And that’s why we

support many charitable organizations

across the country.

One of these organizations is the March of

Dimes, a charity whose mission is to improve

the health of babies by preventing birth

defects, premature birth and infant mortality.

The foundation is the flagship charity of

21st Century Insurance’s parent company,

the Farmers Insurance Group of Companies®.

“Farmers has been supporting the great

work of the March of Dimes for over 25

years,” says Jaynine Warner, Manager of

Communications and Community Events

for 21st Century Insurance. “And when 21st

Century joined the Farmers Insurance Group

of Companies, we joined in their support of

the March of Dimes.”

Employees from Farmers and 21st Century

walk in the March of Dimes March for

Babies® events across the country as part of

this effort. 21st Century Insurance President

and CEO Anthony J. DeSantis will serve as the

March for Babies chairman for the Delaware

Chapter of the March of Dimes in 2011.

Farmers is entering its fifth year as a national

sponsor of the March of Dimes March for

Babies walks and is one of the top five

corporate fundraising teams.

Farmers’ Be A Hero for Babies DaySM,

held annually in July, demonstrates the

commitment to community by Farmers’

agents and district managers and now

includes 21st Century Insurance employees.

In 2010, Be A Hero For Babies Day raised

$2,650,000 for the March of Dimes.

9

ON YOUR WAY

GIVING BACK IN 2010In addition to various 21st Century corporate sponsorships, 21st Century employees from across the country raised more than $75,000 for organizations such as the March of Dimes, Susan G. Komen, The Leukemia & Lymphoma Society, Community Hunger Outreach Warehouse, Special Olympics and Autism Speaks. Employees also generously donated food, coats, toys and, more importantly, their time to local community organizations.

Life Coach Julie Jansen knows a thing

or two about finding the right job, one that’s

fulfilling emotionally and financially. In her book,

I Don’t Know What I Want, But I Know It’s Not

This, Jansen outlines how to evaluate your current

situation and make positive steps toward a more

well-rounded and, ultimately, more meaningful,

career. She calls individuals who’ve been hurt

somehow at work—whether they were laid off,

victims of a merger or unfairly fired—the “bruised

and gun-shy.”

“Usually, being productive and earning money

are the main reasons people want to get back to

work right away,” Jansen says. But rather than

rushing into anything, get creative about how to

meet your basic economic needs. Consider starting

a part-time or consulting gig to pay the bills.

Consciously taking time off from the daily grind is

an empowering move that still allows you to make

enough money for essentials.

BREAK IT DOWN

Think about dividing your time into thirds. The

first part, Jansen explains, is the money-maker.

Use skills from your previous job or career to

pull in a pay-check, whether it’s freelancing,

consulting or going back to a previous boss to

ask for hourly work.

Secondly, devote time to exploring your next

steps. Shadow a professional in a new industry,

or set aside time each week to research future

endeavors. Take part in volunteer work or even an

internship.

The third piece (our favorite) is all gratification.

Love animals? Help at your local shelter. Crazy

about cooking? Sign up as a chef of sorts at the

neighborhood soup kitchen.

WHAT NOT TO DO

And please, don’t beat yourself up. “People tend

to punish themselves when they’re unemployed,”

Jansen says. If you start feeling negative, consider

this: If your best friend was in the same situation,

what would you tell him or her?

“We’re great at giving other people advice, but

when it comes to ourselves, we don’t tend to have

a lot of creativity,” Jansen says. When you consider

your situation from the outside looking in, your

point of view might just turn from bruised and

gun-shy to locked and loaded.

CAREER COUNSELING When it comes to job searches, let both your heart and mind be your guide.

Inside Conversation Approach every interview with the notion that you’re evaluating this job just as much as your potential employer is evaluating you. You both need to be sure that it’s a good fit.

Use these questions as your go-to guide before and after the interview to assess if this opportunity is worthwhile—beyond the money you’d earn.

1. If my situation were different, would I be thrilled about this possibility?

2. Will this job help me reach my long-term goal? How? If not, will I still have the time and energy to continue job searching if I accept this position?

3. Will I fit in with the company’s culture and atmosphere?

4. If I put factors like wage, commute and job description aside, how do I really feel about this opportunity?

5. If my best friend were looking at this job, would I encourage him or her to pursue it? Why or why not?

21ST CENTURY INSURANCE 2 21ST.COM

Innovations in Involvement 21st Century recently launched

21st4Charity™, a cause-driven campaign

that allows individuals to raise $10 for a

designated non-profit group by getting a

no-obligation auto insurance quote from

21st Century Insurance.

Developed jointly by the company’s

Community Relations and e-Business

teams, the innovative partnership is

designed to be a win-win for consumers

and the participating non-profits: By

clicking on a 21st Century banner ad

on participating charities’ websites,

consumers receive a no-obligation

online quote that could save them up to

$463* on their car insurance, and the

participating charity receives $10.

“We’re very excited about this

program,” said Lauren Holloway, a member

of the e-Business team helping to drive this

program for 21st Century Insurance. “In

just a few minutes, individuals can raise

funds for a local charity and save on their

auto insurance.”

* National average of annual savings developed from information provided by new policyholders from 7/1/08–6/30/09 that shows they saved by switching to 21st Century Insurance. Quotes not available in all states.

21ST CENTURY INSURANCE 2 21ST.COM8

We’re giving back in big ways.

Putting Others

FIRST

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GOING PLACES

READY, SET, RIDE! Five great reasons to hit our country’s highways and byways.

WHETHER YOU’RE PINING FOR THE OLD

BROOKLYN DODGERS or reminiscing about

l NATIONAL BASEBALL HALL OF FAME AND MUSEUM

Cooperstown, New York

Boasting 500,000 photographs, 3 million books and

documents, and 38,000 artifacts, this hall takes you from

the start of the sport in the 19th century right up to a

locker featuring items from the most recent baseball

season. And, for the ultimate fan, how about enjoying a

“VIP Experience?” You’ll get behind-the-scenes, after-hours

access to the hall and attend a private reception.

www.baseballhall.org

l THE UNITED STATES BICYCLING HALL OF FAME

Davis, California

In 2010, this attraction moved from New Jersey to California.

It’s now partners with the California Bicycling Museum and

located in downtown Davis, within Central Park. Visitors have

an opportunity to see the UC Davis Pierce Miller Collection of

antique bicycles, along with many cycling artifacts.

www.usbhof.com

l INTERNATIONAL BOWLING MUSEUM AND HALL OF FAME

Arlington, Texas

This hall of fame is all about, as its site claims, “5,000 years

of history and 18,000 square feet of fun.” It’s an interactive

museum with tons of historical information and collectibles

devoted to one of the largest participatory sports in the

world. But, just in case this doesn’t get the kids scrambling

to the car, it’s also on the same site as Six Flags.

www.bowlingmuseum.com

l PRO FOOTBALL HALL OF FAME

Canton, Ohio

This popular attraction is just four hours away from cities

such as Buffalo, N.Y., Charleston, W.Va., Cincinnati, Ohio,

and Detroit, Mich. Fans can tour the museum, enjoy photo

galleries and purchase special packages devoted to their

favorite team. Open every day except Christmas, the hall

is located close to the Rock and Roll Hall of Fame and

provides specially priced passes to both. And if you’ve been

there before, note that much of the museum has been

updated since 2008.

www.profootballhof.com

l THE WORLD GOLF HALL OF FAME

St. Augustine, Florida

Open every day except Thanksgiving, Christmas and

induction day, this hall of fame is located in the World Golf

Village, just south of Jacksonville. It relocated from Pinehurst,

N.C., to its current location in 1998 and boasts championship

golf courses created by hall of fame legends. You can check

out the museum or take a seat in front of the 80-foot-wide

by six-story-high screen in the IMAX theater.

www.worldgolfhalloffame.org

ROAD TRIP ROUND-UP

Don’t ever be caught unprepared on the road again! Take along these trip essentials.

SAFETY KIT: No matter where you’re going, a safety kit—containing basic auto repair tools, first aid, batteries and a flash light—is essential for any trip beyond your town or city limits.

ONE VERY IMPORTANT NUMBER: If the unexpected occurs, don’t even think of passing up roadside assistance because of the cost. 21st Century’s Security Advantage provides 24-hour roadside assistance, as well as emergency travel and medical assistance, at no extra cost. Just program the number, (800) 381-5407, in your phone and bring along your insurance card.

NOURISHMENT: Skip fast food in favor of bite-sized, high-nutrition snacks like trail mix and dried fruit. And remember: Sodas will give you a momentary sugar rush, but the subsequent crash will put a strain on long-distance drives, so stick with water.

GPS: An essential for any distance travel, but it’s not foolproof. Read your manual from cover to cover, program your destination before you leave and don’t take its instructions as gospel. In short, don’t toss your maps.


AT YOUR SERVICE, ANYWHERE: 21st’s Security Advantage provides 24-hour roadside assistance. Call (800) 381-5407 as soon as you need help. And learn more about the program at 21st.com.

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LLLLLLLLLL

time equationt

he

EVERY MINUTE SAVED ADDS UP. THE 10 MINUTES YOU SPEND READING THIS ARTICLE COULD SAVE YOU 28 HOURS EVERY MONTH.

LIFE IS SHORT, and you have better things to do than plan tomorrow night’s dinner or dig around your house for that bill you may have forgotten to pay. So why not fi nd more time for the things you really care about? Get started with these timesaving tips for all of life’s responsibilities. Then, enjoy adding up all the extra hours you’ll have to walk the dog, play with the kids, start a new hobby, learn a second language, volunteer or just veg out watching reality TV. (Hey, we’re not here to judge what you do with your free time. Really.)

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21ST CENTURY INSURANCE 21ST.COM

IN RELATIONSHIPS: SAVE UP TO 2 HOURS 20 MINUTES PER MONTH The line between cubicle and couch continues to blur. As

professional and personal lives become more intertwined,

TIME SAVED: 80 minutes per month


name it.


Not all companies offer the option to

introduce Mint.com.

its public launch in 2007, the site has helped

plan to spend on the trip, and Mint will set


pool with her before class starts.


FOR YOUR FINANCES:SAVE 1 HOUR 30 MINUTES PER MONTH Change Your Ways,

Day by Day Five bonus tips for realizing even more free time!

✓ JUST SAY NO to in-store credit card offers. They

take time to set up when you’re in the store and

give you one more account to keep up with month

after month. Plus: They may save you a few bucks

at the start, but will likely cost you in interest fees

in the long run.

✓ TACKLE YOUR LEAST FAVORITE CHORES at the

time of day when you have the most energy, so you

get them done quickly.

✓ GIVE YOURSELF A FEW HOURS at IKEA or The

Container Store to brainstorm on how you can

organize clutter.

✓ FOR BOTH PERSONAL AND WORK E-MAIL, SET UP

AN INBOX FILING SYSTEM. Create folders that

correspond to projects or tasks. And check for

auto-fi le options in your e-mail program, which can

do much of the organizational heavy lifting for you.

✓ SCHEDULE DOCTOR APPOINTMENTS in the morning.

The “magic hour” for seeing your doctor tends to be

8 a.m. It’s early enough that he or she won’t be

running behind schedule, so they’ll be less stressed

and able to give you more one-on-one attention.

14

Automate: Enroll in the 21st

Century AutoPay

program at 21st.com

and you’ll have a

couple options for

paying your bill easily

and automatically:

Set up withdrawals

from your checking

account or have the

bill charged to a debit

card or credit card.

TW-14 TW-155272_12-21.indd 4-5 1/7/11 4:26 PM





Wall Street Journal,

schedule, but don’t stop there.


LifeHacker.com


be that much sweeter.

ON THE JOB: SAVE 10 HOURS PER MONTH

AT HOME:

SAVE 11 HOURS 20 MINUTES PER MONTH

Required Reading- Fix-It and Forget-It

Cookbook, Phyllis

Pellman Good

- Time Management

from the Inside

Out, Julie

Morgenstern

- Ten Days to

Faster Reading,

Abby Marks-Beale

- Goals! How to Get

Everything You

Want — Faster

Than You Ever

Thought Possible,

Brian Tracy

- Insurance

Information Center

at 21st.com,

to learn how to

get the most from

your car insurance

To Keep Or To TossIf you’re on the fence about keeping a document, ask yourself these

questions. A “yes” means it’s a keeper. All “nos” means it goes.

1 . Are there tax/legal reasons to keep it? Y N

2. Do I refer often to this piece of paper? Y N

3. Does it tie in with the core activities of my job? Y N

4. Will it help me make money? Y N

5. Would my work suffer if I didn’t have it? Y N

6. If I ever needed it again, could I easily get it Y N

from someone else?


TW-16 TW-175272_12-21.indd 6-7 1/7/11 4:26 PM


WHAT’S STORY?

Whether the car you love is the lemon you had at 16 or the Lamborghini you’ve always lusted after, we all have a special feeling about our cars. At diff erent life stages, there’s a diff erent car—and a story to go along with it.

TW-18 TW-19

crunch

how

STAGE 1

the early days Ah, sweet freedom. Remember how it felt to

others, for that matter.

Your

5272_12-21.indd 8-9 1/7/11 4:26 PM


-

insurance rates.

-

and automatic seat belts.

-

-

premium.

-

STAGE 4

love and marriageOne couple, two cars. No matter how in love

Mint.com, “Those who are married are viewed

discount.” Statistics show that married drivers

STAGE 5

next generation

their insurance premium. An approved driver

STAGE 2

the proud owner

edmunds.com

kbb.com

STAGE 3

a step up

New AdditionNeed to put another

driver on your 21st

Century Insurance

policy? No problem.

Go to 21st.com or call

customer service at

(800) 443-3100 with

this information:

# Driver’s full name

as it appears on the

driver’s license.

# Date of birth.

# Age the driver was

fi rst licensed.

# Driver’s license

number.

MOST FOLKS WOULD HAVE DEEMED THE CAR A “CLUNKER.”

IN YOUR EYES, IT WAS A “C� SSIC.”

IT’S EASY TO ADD A VEHICLE to your 21st Century

Insurance policy. You can make the change at 21st.com

or by calling (800) 443-3100. Just have these three

things handy:

1. The year, make and model of the vehicle.

2. The vehicle identifi cation number (VIN).

3. The name and address of the leasing or fi nancing

company if the vehicle is leased or fi nanced.

Multi-Car Family

q ww q

"+"+"

+

TW-20 TW-215272_12-21.indd 10-11 1/7/11 4:27 PM

22

You’ll feel a little richer when you commit to a smart spending plan.

BUDGET 411

- ASSESS YOUR SITUATION: First, put

aside your judgment and guilt. Gather

your bills and bank statements, and review

how you’re currently spending. Use the

information to determine how you can make

choices that support your goals. If you’re

developing a budget with your spouse, this

can be the hardest step. Practice focusing on

and opinions.

- CELEBRATE YOUR SUCCESS: It feels

good to have someone pat you on the back,

and you can be your own cheerleader.

Be sure to praise your accomplishment when

Gingras recommends making it a game

and creating prizes for yourself. Just avoid

rewarding yourself with items that cost you

your hard-earned savings. Think spearmint

latte instead of spa treatment.

LIVING EASIER

“MOST PEOPLE CRINGE AT THE

THOUGHT OF BUDGETING,” says Romy

Gingras suggests a different point of view.

Sticking to a budget, she explains, can be seen

as a means to an end, a path to achieving your

and, yes, fun.

- CONSIDER YOUR STRENGTHS: Don’t

get pigeonholed into a budget that’s not your

style. Are you a planner? You might like a

regimented monthly plan, with weekly goals.

A spontaneous sort? Set targets a few months

- DETERMINE YOUR DESIRES: What would

situation? Consider your family, your health

is your goal. Or perhaps you hope to have more

cash on hand for getaways and gifts?

- MAKE MANAGEABLE CHANGES: Part

of developing a plan that will work for you

is knowing what’s realistic. For instance,

you won’t be able to eliminate essential

expenses like your electricity bill and

prescription costs. However, within those

areas, you can explore ways to spend

differently. Turn off your computer if you

don’t plan to use it for another two hours.

Check with your doctor about a generic,

lower-cost version of medication.

While debit cards and ATMs are convenient, they also make it easy to spend more than you intend. Watch for disappearing dollars by keeping detailed records of where your money is going.

Beware

HOW do YOU ADD IT UP?Your budget should refl ect your life and personal goals. Use

this sample monthly worksheet as a solid starting point.

FIRST: List your monthly fi xed and living expenses.

NEXT: Fill in your income.

THEN: Subtract your expenses from your income.

If you wind up with a negative number, get creative about

pain-free ways to cut costs or bring in more money.

A positive balance is the amount you can deposit into a

savings account or a fund for something your heart desires.

LIV

ING

EX

PEN

SES

BALA

NC

EFI

XED

EX

PEN

SES

Mortgage __________

Utilities __________

Cable __________

Garbage __________

Insurance __________

Other __________

Credit card __________(ideally, paid in full each month)

Groceries, toiletries __________

Medical __________

Home supplies __________ (yard and house maintenance, etc.)

Clothes, shoes __________

School supplies __________

Additional expenses __________(pet care, haircuts, etc.)

Fun money __________(dining out, movies, club dues, etc.)

Take-home income __________

Expense total – __________

Left Over = __________


SAVE ON INSURANCEHow about more affordable auto insurance? There are several ways that we offer the Same Great Coverage for Less. Find out more at 21st.com, in the Insurance Information Center.

5272_22-27.indd 2-3 1/7/11 4:28 PM

HOME SENSE

SPRUCE TO SELLSmall, inexpensive touches make a big difference.

IN TODAY’S REAL ESTATE MARKET, anything

can happen. One house sits for months while

another generates inquiries before it’s even listed

for sale. One thing is certain, though: Your house

will sell faster if it’s priced right and staged to

sell, explains Ron Zate, a realtor with Keller

Fortunately, making potential buyers feel at

home—in your home—doesn’t require a major

your home as neutral as possible. Zate explains,

“People don’t want to live the way you do. They

want to live their way in the house, and a neutral

Every room should look its best, but here are

four areas that tend to have more of an impact.

BEDROOMAccording to Zate, the bedroom is where you can

someone can imagine going to sleep and waking

like a new bedspread and decorative pillows, or

a modern headboard and billowing drapes.

LIVING AREASStart by taking your home out of the house.

Put away knick-knacks, personal mementos

and those piles of junk we all accumulate.

Stage your home for maximum appeal. Check

out decorating magazines or invite over a

design-savvy friend.

KITCHEN

skip the major remodel. But consider replacement

knobs or handles, a fresh coat of paint or new

accessories. When tidying, don’t forget cupboards

and drawers. (Yes, people will open them.)

BATHROOMSPut away all your toiletries and make sure it’s

spotless. “Nothing turns off a buyer faster than a

transformative power of a new shower curtain

CHOOSE YOUR COLOR. Keep it neutral, but not boring.

APPLY PAINTER’S TAPE to protect molding, trim and fl oor edges.

REPEAT UNTIL YOU’VE FINISHED THE ROOM.

“CUT IN” AROUND THE EDGES using a 2-inch angled brush or paint pad. Work in small sections so you can paint the rest of the wall before the cut-in area dries.

REACH FOR THE ROLLER. Paint a vertical zigzag shape, like a “W,” and then fi ll it in, working top to bottom to meet the cut-in areas.

1

2

3

4

5

25

Paint Like a ProAny room can benefi t from a fresh coat of paint. “All you need is an afternoon and a $20 can of paint,” says Ron Zate, a realtor with Keller Williams Realty in Los Angeles,

“and you can completely change any room.” Follow these moves for optimal results:


5272_22-27.indd 4-5 1/7/11 4:28 PM

21ST CENTURY INSURANCE 2 21ST.COM 21ST CENTURY INSURANCE 2 21ST.COM26 27

Injury Liability coverage, Property Damage

Liability coverage and Physical Damage

coverage (Comprehensive and Collision

coverages).

There are a few exceptions: The Good

Student Discount does not apply in California,

Michigan, New York or North Carolina.

Q I’M CAR SHOPPING AND WANT TO KEEP MY 21ST

CENTURY INSURANCE POLICY. WHAT DO I NEED TO KNOW BEFORE I MAKE MY PURCHASE?

Getting coverage for a new vehicle is simple.

Call customer service at (800) 443-3100

and one of our friendly customer service

representatives will get your vehicle added to

your policy as soon as possible. Or, go to the

“Manage Your Auto Policy” section of

21st.com and add the vehicle to your policy.

If you haven’t already done so, you’ll need to

register your policy to access it online.

When you purchase a car, the dealership will

require proof of auto insurance before you leave

the lot. In most states, you can use a current

declarations page or ID card for another vehicle

as valid proof of insurance for a minimum of

14 days until you receive your ID card in the

mail. If the dealer says its offi ce can handle

adding the vehicle to your policy, it’s still smart

to double-check with us just in case.

Be sure to notify 21st Century within

14 days after the purchase of your new vehicle.

And, by the way, congratulations!

Q MY FRIENDS AND I ARE PLANNING A SPRING

BREAK VACATION. IF I RENT A CAR WHILE I’M THERE, SHOULD I PURCHASE THE RENTAL CAR COMPANY INSURANCE?

Not necessarily. Here’s the deal: If you have a

policy with us and at least one of the vehicles

on the policy has physical damage coverage

(“Comprehensive and Collision” coverage),

21st Century will provide coverage for physical

damage to a rental or temporary loaned vehicle

up to the broadest coverage available under the

policy for any one of the vehicles insured.

What this means is if you have a vehicle

insured with us with $500 deductibles on

Comprehensive and Collision coverage, the

rental vehicle also would have Comprehensive

and Collision coverage subject to the same

$500 deductibles.

And now for the fi ne print: This extension

of coverage under your policy applies to

automobiles, mini-vans, pick-ups, vans and

sport utility vehicles that weigh less than

10,000 pounds G.V.W. (or load capacity of less

than one ton). It doesn’t cover RVs.

Q WITH MY SON’S COLLEGE COSTS LOOMING, OUR

FAMILY IS EAGER TO FIND WAYSTO LOWER OUR HOUSEHOLD EXPENSES. TELL ME MORE ABOUT YOUR GOOD STUDENT DISCOUNT.

Great question! You get an “A” for doing your

homework on saving opportunities. If your

child is a full-time high school, college or

university student who is between 16 and 24,

you’re eligible to save some dough.

Now, here’s where the “Good” part of this

program comes in: The student must maintain

a “B” average or better, or be on the Dean’s

List or Honor Roll during the immediately

preceding school semester.

The discount varies by state, but can be up to

20 percent off the Non-Good Student Discount

premium for the coverages rated according to

a driver’s age. These generally include Bodily

You have questions—we have answers. A match made in heaven.

ASK AND YOU SHALL RECEIVE

KEY QUESTIONS

Don’t worry. You’re not the only

one who’s misplaced your insurance

card. That’s why we offer two

simple ways to get replacements.

ONE: Log into your policy at

21st.com. Request replacement

ID cards. They will be sent to you

via postal mail or faxed to you

within one business day.

TWO: Call customer service at

(800) 443-3100 and request the

cards via our automated telephone

process, or speak with a customer

service representative.

If you live in New Jersey or

Delaware, keep in mind that we

aren’t allowed to fax ID cards. And,

for New York policyholders, the

state of New York requires an

ID card listing the new vehicle—

rather than a current declarations

page—for newly purchased

vehicles to verify coverage. Also in

New York, the identifi cation card

must match the vehicle registration

exactly. If the name and address

on your policy don’t match your

vehicle registration, you’ll need

to call (800) 443-3100 to request

your ID card.

Q I CAN’T TRACK DOWN MY INSURANCE ID

CARD. WHAT’S THE SIMPLEST WAY TO REPLACE THEM?

If you are renting a

“U-Haul” or “Ryder”

type truck, you must

obtain insurance

coverage from the

rental company.

This is subject to

state exceptions, so

double-check details

by calling 21st

Century Insurance at

(800) 443-3100 or

by visiting 21st.com.

Note

5272_22-27.indd 6-7 1/7/11 4:28 PM

21st Century Plaza3 Beaver Valley RoadWilmington, DE 19803

(800) 443-3100 21st.com

TW

PRSRT STDU.S. Postage

P A I D21st Century

Insurance

After successfully passing a detailed audit

and random customer survey, we are

proud to be recognized by J.D. Power and

Associates for four times in a row for delivering

“An Outstanding Customer Service Experience”

through our Call Center Certification Program.

What does this mean to you?

Great customer service really does matter (at least that’s what you keep telling us)

We believe it means you can expect the same great coverage—and service—for less.

21st century insurance’s call centers have been recognized by J.d. power and associates for providing “an outstanding customer service experience.”

For 2010 J.d. power and associates certified call center programsm information, visit jdpower.com.

© Tomas RodRiguez/CoRbis (pages 2, 18), © Laughing sToCk/CoRbis (page 8), © RaLf sChuLTheiss/CoRbis (page 18)

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