National Continental Insurance Company Review [2023]
The National Continental Insurance Company writes SAIP insurance, which covers injuries after an accident for some Medicaid members.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Dec 16, 2022
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: Dec 16, 2022
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
- 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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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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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