21st Century Insurance offers personal automobile, motorcycle, and umbrella insurance in California and automobile insurance in Arizona, Nevada, Oregon, and Washington. The company receives much of its new business through referrals from current policyholders; the annual renewal rate of existing policyholders is over 90%Cutting out the middleman -- that's how 21st Century Insurance Group grew in the 20th century.The company's primary subsidiaries provide inexpensive auto and personal umbrella insurance for customers by selling directly (including direct-mail, print, and radio advertising) rather than through brokers, which eliminates the cost of agents and commissions.