National Continental Insurance Company Review [2024]
National Continental Insurance Company provides a lifeline for Medicaid members with its SAIP insurance, covering post-accident injuries through a seamless process—determine your eligibility with just your Medicaid card number and explore affordable options today.
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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National Continental Insurance Company
Average Monthly Rate For Good Drivers
$30A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- SAIP insurance provides coverage for injuries after an accident for eligible Medicaid members.
- SAIP insurance offers affordable coverage for those who wouldn’t otherwise be able to afford it.
Cons
- SAIP insurance is only available for a limited number of drivers who meet specific eligibility criteria.
- SAIP insurance doesn’t cover all the basic coverage needs, and additional insurance may be required.
Figuring out if you’re eligible for SAIP insurance from National Continental might seem complicated, but contacting a representative makes it easy. All it takes to find out if you’re eligible is the number on your Medicaid card.
If you’re not eligible, you have other options. When you need affordable car insurance, the best way to find cheap quotes is to compare as many companies as possible.
When you have an idea of which company has the lowest rates for you, an insurance representative can help determine the best coverage option for your needs.
What You Should Know About National Continental Insurance Company (SAIP)
Because National Continental doesn’t have a dedicated website, you can’t enroll online. Instead, you can enroll in a SAIP in two ways.
The easiest way is to call the Personal Automobile Insurance Plan (PAIP) number for New Jersey. National Continental has provided SAIPs in the Garden State since 2011 and offers expert advice on enrolling in the program.
You can also contact Progressive directly and ask for help with your SAIP application. Because the National Continental Insurance Company writes SAIP insurance for New Jersey, a Progressive representative can connect you with the right person to apply.
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How can you find affordable insurance if SAIP isn’t enough coverage?
Unfortunately, not everyone is eligible for SAIP insurance, even when they’re on Medicaid. Even if you qualify, you might need more coverage than National Continental can offer.
If National Continental can’t meet your needs, you can get a quote from parent company Progressive. However, Progressive doesn’t usually offer the lowest rates in New Jersey. Additionally, insurance companies look at a variety of factors to determine how much to charge for coverage, so you won’t know which company offers the lowest rates without getting a quote.
Regardless of what company you choose to shop from, you’ll find the closest coverage to an SAIP is either personal injury protection or medical payments. Whichever coverage is sold in your state, you’ll usually see an increase in your rates between $5 and $50.
National Continental Insurance Company (SAIP) Insurance Coverage Options
While National Continental has sold insurance for over a hundred years, it currently focuses on SAIPs. SAIP is an initiative to help eligible drivers get limited car insurance when they otherwise couldn’t afford it.
To be eligible for SAIP insurance, you must qualify for federal Medicaid with hospitalization. Not all Medicaid programs qualify you for SAIP — you can have an insurance representative determine your eligibility by the number on your Medicaid card.
Only a small number of drivers will qualify for SAIP insurance. Some drivers with Medicaid can apply for SAIP if they would otherwise have to go without coverage, but not all low-income Medicaid members will qualify.
What types of SAIP insurance plans can you buy?
SAIP insurance covers emergency medical treatments after an accident, including brain and spinal cord injuries. When you qualify, SAIP covers up to $250,000 for treating your injuries. It also provides $10,000 for a death benefit.
It doesn’t cover outpatient treatments that your Medicaid insurance should handle. Additionally, it does not cover damage that car insurance takes care of, like liability, collision, or comprehensive coverage.
SAIP insurance does not replace regular car insurance, which you must have to drive in New Jersey.
Garden State residents have to carry the following insurance:
- Bodily injury liability — $15,000 per person
- Bodily injury liability — $30,000 per accident
- Property damage — $5,000 per accident
- Personal injury protection — $15,000 per person
If you need help affording basic car insurance, New Jersey offers Standard Automobile Insurance Policies. Not to be confused with what National Continental sells, Standard plans cover your basics for much cheaper.
When you want to buy SAIP insurance, your only option for coverage is through National Continental. You can buy a Standard car insurance policy from a variety of companies, including GEICO, Progressive, Allstate, and State Farm.
National Continental Insurance Company (SAIP) Insurance Rates Breakdown
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| Driver Profile | National Continental Insurance | National Average |
|---|---|---|
| Clean Record | $94 | $119 |
| 1+ Ticket | $107 | $147 |
| 1+ Accident | $121 | $173 |
| DUI | $165 | $209 |
| Poor Credit | $161 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Like Medicaid, the price of SAIP insurance varies by year. Currently, drivers eligible for SAIP insurance pay $365 a year, which you can split into two payments of $182.50.
You can save $5 by paying up front rather than in two increments.
National Continental’s SAIP insurance doesn’t cover your basic coverage needs, and you’ll still need to buy a policy. If you’re on a budget, you should compare how much minimum insurance costs before you add the price of SAIP. The map below shows the average monthly minimum coverage rates by state.
New Jersey minimum insurance rates are generally affordable. However, there is a significant variation in the average price between companies.
This is why it’s so important to compare rates with as many companies as possible — your first pick might have higher rates than others.
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National Continental Insurance Company (SAIP) Discounts Available
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| Discounts | National Continental Insurance |
|---|---|
| Anti Theft | 13% |
| Good Student | 15% |
| Low Mileage | 12% |
| Paperless | 10% |
| Safe Driver | 28% |
| Senior Driver | 12% |
National Continental Insurance Company not only prioritizes your safety and peace of mind with its SAIP insurance but also ensures you enjoy cost-effective coverage through a range of discounts. Discover how you can maximize your savings with the following discounts tailored to meet your unique insurance needs.
- SAIP Premium Discount: Exclusive savings for SAIP policyholders to make essential car insurance even more affordable.
- Multi-Policy Discount: Bundle your car insurance with other policies, such as homeowners or renters insurance, and enjoy a substantial discount.
- Safe Driver Discount: Maintain a clean driving record, and National Continental rewards your responsible driving with additional savings.
- Good Student Discount: Students with excellent academic performance can benefit from reduced premiums, encouraging both safety and scholastic achievement.
- Military Discount: As a token of appreciation for your service, National Continental extends a discount to active military members and veterans.
- Paid-in-Full Discount: Option for an annual payment plan to receive a discount, showcasing the company's commitment to rewarding financial responsibility.
- Loyalty Discount: Stay loyal to National Continental, and your commitment is reciprocated with ongoing discounts for policy renewals.
- Safety Feature Discount: Equip your vehicle with safety features, such as anti-lock brakes and airbags, and receive a discount for prioritizing safety on the road.
National Continental Insurance Company goes beyond providing essential coverage; it's dedicated to ensuring you get the most value from your insurance investment. Take advantage of these discounts and experience the perfect blend of comprehensive protection and financial savings with National Continental.
How National Continental Insurance Company (SAIP) Ranks Among Providers
In the competitive landscape of insurance providers, National Continental Insurance Company faces various rivals, each vying to offer the best coverage and services. Understanding the key competitors in the market provides valuable insights for consumers seeking the most suitable options for their insurance needs.
Progressive: A major player in the insurance industry, Progressive offers a wide range of coverage options and is known for its user-friendly online tools and innovative services.
GEICO: Renowned for its humorous advertising and competitive rates, GEICO is a popular choice for those seeking affordable and reliable auto insurance.
Allstate: With a strong presence and a comprehensive suite of insurance products, Allstate is a well-established competitor known for its personalized service and extensive agent network.
State Farm: As one of the largest insurance providers in the U.S., State Farm boasts a diverse portfolio of insurance products and a reputation for exceptional customer service.
Liberty Mutual: Known for its customizable coverage options and various discounts, Liberty Mutual competes by offering tailored solutions for diverse insurance needs.
In the dynamic insurance market, National Continental Insurance Company faces stiff competition from industry giants, each with its unique strengths. By examining the offerings and strengths of these competitors, consumers can make informed decisions to secure the best coverage and services that align with their specific requirements.
Frequently Asked Questions
Who is eligible for SAIP insurance from National Continental?
SAIP insurance by National Continental covers only Medicaid drivers with hospitalization. Not all Medicaid members qualify for SAIP – check your Medicaid card number for eligibility.
How do you enroll in SAIP?
To enroll in SAIP, two options are available: call the Personal Automobile Insurance Plan or contact a Progressive representative since National Continental underwrites SAIP for Progressive.
How much does National Continental SAIP insurance cost?
Drivers pay $365 a year for SAIP insurance, which you pay for in two increments. You can save $5 by paying for your entire bill at once.
Can you make multiple payments for SAIP insurance?
If you don’t want to pay the full $365 up front, you can make two payments of $182.50.
What types of coverage does SAIP insurance from National Continental offer?
SAIP insurance from National Continental covers emergency medical treatments, including brain and spinal cord injuries, up to $250,000.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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