DO YOUR HOME WORK ..
http://www.associatedcontent.com/article/68071/21st_century_insurance_bad_people_to.html
http://www.consumeraffairs.com/insurance/21cent.html
http://findarticles.com/p/articles/mi_m0EIN/is_2001_Jan_25/ai_69502142/
http://www.complaintsboard.com/complaints/21st-century-insurance-c48441.html
http://www.complaintsboard.com/bycompany/21st-century-insurance-a28676.html
http://www.ripoffreport.com/reports/0/459/RipOff0459834.htm
http://www.allbusiness.com/company-activities-management/operations-customer/6043657-1.html
Get couple quote from different insurance company, you will know which one is better.
I think GEICO is available in MA , it may be cheper ?