New Century Auto Insurance Review

New Century Auto Insurance are not one of the most well known insurers out there. In fact, a quick Google search turns up very few results for user reviews, but if you take the time to cull what information you can from the web from business information to company history and what user opinions are out there, you’ll discover a few things about the company that may interest you.

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They Have an Excellent Rating from A.M. Best

New Century Insurance Company has an excellent rating from A.M. Best. Now, A.M. Best only rates the security, size and stability of a company. The truth is that you can trust a small insurer in many instances just as well as a larger insurer, but that doesn’t change the fact that you might well feel much safer in the hands of a larger company.

A.M. Best also points out that the New Century Insurance Company has a less than stellar long term forecast.

It might not all be wine and roses for AM Best over the next few years. That being said, they do currently have the backing to honor any insurance policy you might have with them so until further notice, New Century are still a viable option.

They Don’t Specialize in Auto

AM Best suggests that the company may need to downsize in the future if they hope to maintain their current standards of service and quality. The company currently covers just about everything from auto to motorcycle, motor homes, life, flood, liability and everything in between.

What this means is that if you’re looking for a highly specific type of insurance, you’re probably not going to get it from New Century. Most specialty insurance comes from smaller, more focused insurance providers. New Century do have a reputation for providing quality coverage and they have the financial stability to honor any policy that they might currently have out there, but this generalization results in a lack of special attention paid to special insurance needs.

The Company Can Be Inaccessible

For all of their resources and money, New Century don’t seem to put a lot of it into making themselves available. Their customer service is lacking in many regards.

New Century primarily sell through agencies across the country, but it would be impossible to tell you where you can find these agencies. A visit to the company’s website and other resources for the company on the web turn up incomplete listings at best and false facts at worst. It’s no wonder AM Best rank their long term prospects on the lower end as it is going to be very hard for the company to earn more business this way.

Rather than having agencies working directly for the company, New Century operates through a network of independent agents.

While this has some upsides, the end result is that it’s very hard to find the company and your best bet is probably going to be to go through an agency and see if they carry New Century policies.

Being difficult to find is the last thing an insurance company needs and they would do well to give their PR approach a total overhaul.

They Make it Hard to Claim

The biggest difficulty with New Century in the claims department is that there is no way to claim online. In the digital age, this is a serious problem. New Century are clearly hard wired into an older way of doing things where you could only make claims in person, by the phone or through the mail.

Again, inaccessibility remains the company’s key problem and perhaps the biggest factor in their negative long term forecast. Any company that wants to keep selling insurance well into the 21st Century would do well to adapt to the way that the 21st Century does business. Accessibility is key in this day and age and without it you’re going to see downsizing and businesses closing their doors forever.

You Can’t Get a Quote from the Company

Here’s the clincher: There are a few users on the web who speak on the company’s behalf and suggest that they offer fair rates, but it’s impossible to verify this because you can’t get a quote from New Century directly. Not on their website or through any peripheral web services they offer. You can get a quote from an insurance agent, but their “Find an Agent” feature is broken, bringing us back to the point that it’s very hard to find the company.

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The Bottom Line

Here’s the bottom line on the company: What information there is on New Century isn’t negative. They’re not known for refusing to honor insurance policies, they don’t overcharge or give customers the runaround by any accounts on user review websites.

In fact, they do have some modest reputation for honoring their policies and offering reasonable prices, but the problem is that they’re simply so difficult to nail down. You can’t get a quote online, file a claim without a telephone or find the company on your own.

That said, if you are going through an agency and they happen to have a quote from New Century, you may want to consider going with them if they offer the lowest rates, just know that you may want to sign on with the company tentatively. If they cannot get all of these issues in check, then they are likely to suffer some serious downsizing in the near future and may not continue to be able to honor their claims if they don’t build a larger customer base.

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