National Continental Insurance Company (SAIP) ratings and coverages

What types of SAIP policies are available and what do they cost?

There are two types of policies: Basic and Standard. The Basic Policy usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job).

What is the Special Automobile Insurance Policy?

The SAIP is an initiative to help make auto insurance available to drivers who are likely to go uninsured because of limited financial resources.

Who is eligible to get the policy?

People who are currently enrolled in FEDERAL MEDICAID WITH HOSPITALIZATION are eligible for the SAIP. Not all Medicaid programs qualify for the SAIP policy. An insurance producer can determine if you are eligible from the number on your Medicaid ID card. If you think you may benefit from or qualify for SAIP, you can call in or talk to an independent agent.

How do I get the policy?

You can call the Personal Automobile Insurance Plan (PAIP) customer service number at 1-800-652-2471, or search for a PAIP producer. Effective 01/01/2011, National Continental Insurance Company is the carrier that writes SAIP policies.

What Does This Type of Progressive Auto Insurance Cost?

Customers reportedly pay an average of $336 a month for auto insurance under the National Continental Insurance Company. If you qualify for the medical-only policy as a Medicaid patient at risk of losing insurance due to financial struggles and meet the other qualifications, you could pay just $365 annually.

Can I Make Multiple Payments on Discounted Auto Insurance Rates?

The policy costs $360 if you pay up front or $365 in two installments.

What does SAIP cover?

Emergency treatment immediately following an accident and treatment of serious brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit.

Where Can You Find Personal Auto Insurance That Meets Your Needs?

While National Continental Insurance Company offers extremely low rates for limited coverage, most don't qualify. Most drivers also want more extensive coverage than the SAIP plan is meant to offer.

If you're looking for affordable coverage you qualify for, you can enter your zip code in our quote calculator. Then answer a few questions, and we can generate quotes from companies in your area.