UPDATED: Dec 16, 2022

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UPDATED: Dec 16, 2022Fact Checked
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National Continental Insurance Company

Average monthly rate for good drivers:

$30

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Backed by Progressive
  • Provides SAIP insurance so Medicaid members can get medical coverage on their car insurance
  • Offers savings if you pay for your entire policy

Cons

  • Doesn’t have a website
  • Only available in New Jersey
  • Only certain Medicaid members are eligible for coverage

The Bottom Line

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.

While it offers valuable protection, car insurance in the U.S. can be expensive. When you’re struggling to be insured, one of the best ways to find affordable coverage is to check your eligibility for SAIP insurance.

National Continental is a subsidiary of Progressive and sells Special Automobile Insurance Policies (SAIP) in New Jersey. SAIP insurance covers people who wouldn’t otherwise be able to afford coverage and is only available to Medicaid members.

However, not all drivers with Medicaid are eligible for SAIP insurance. You can check your eligibility by looking at the number on your Medicaid card, and an insurance representative can help. 

Read on to learn more about National Continental’s SAIP insurance. If you don’t qualify for SAIP or need more coverage, you can find cheap auto insurance in New Jersey by comparing as many companies as possible.

Is National Continental Insurance Company (SAIP) a Good Choice?

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.

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) Rates

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) 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.

Frequently Asked Questions

Who is eligible for SAIP insurance from National Continental?

The only drivers eligible for SAIP insurance from National Continental are those enrolled in Medicaid with hospitalization. Not all Medicaid members qualify for SAIP insurance — you can determine eligibility by checking the number on your Medicaid card.

How do you enroll in SAIP?

To enroll in a SAIP, there are two options. First, you can call the Personal Automobile Insurance Plan number to connect with a provider. Since National Continental underwrites SAIP insurance for Progressive, you can also contact a Progressive representative to apply.

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.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker