Continental Car Insurance Review 
You can't purchase standard car insurance through the Continental Insurance Company, but individuals who are thinking of starting a business can find plenty of commercial policies through the Continental Insurance Company.
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UPDATED: Mar 14, 2022
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- The Continental Insurance Company was formed over 100 years ago
- You can’t buy standard car insurance through the Continental Insurance Company
- You can shop for free insurance quotes online
When it comes to accident preparedness, for the best results, prepare for the worst, and being prepared means having a sold car insurance policy in place.
Most states require drivers to have car insurance, but with so many insurance companies flooding today’s market, trying to find the perfect policy can be difficult. Thankfully, you can use free resources like this Continental Insurance Company review to narrow your search and find the best insurance company for your needs.
Who is Continental Insurance Company?
The Continental Insurance Company was formed in 1897. It is wholly owned by the Continental Casualty Company, which underwrites policies for CNA. This relationship means that all policies written by Continental will bear the CNA name and that you’ll need to call CNA’s customer service line instead of the Continental Insurance Company phone number if you have any questions about the policies offered by this company:
- Small Businessowners Policy
- Commercial Auto
- Commercial Package
- Equipment Breakdown
- General Liability
- Management & Professional Liability
- Umbrella & Excess Casualty
- Warranty & Alternative Risks
- Workers’ Compensation
You can’t get a quote for any of these policies online. You can, however, use the online agent finding tool to be matched with a CNA agent near you. In addition, if you are curious as to how this company treats its clients, you can read free Continental Insurance Company customer service reviews online.
Making payments on a CNA policy is easy too. You can use your Continental Insurance Company login to make your payments online whenever you need to.
Now, if you need to file a claim, you won’t need to look up the Continental Insurance Company claims address or the Continental Insurance Company claims phone number. Instead, you can file a claim directly from the CNA website or call 877-CNA-ASAP.
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What car insurance coverages does Continental Insurance Company provide?
CNA, the company that Continental Insurance Company writes policies for, only provides commercial auto insurance. If you need standard car insurance, you can shop online to compare quotes from major insurance companies that offer coverages like these:
|Liability||Most states require you set amount of liability coverage which protects other drivers in the case of an accident|
|Comprehensive||This coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft.|
|Collision||This provides financial protection for your vehicle. It will pay for damages after a crash.|
|Personal Injury Protection (PIP)||This coverage will pay for your own medical costs including lost wages.|
|Medical Payments (MedPay)||Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does.|
|Uninsured/Underinsured Motorist Protection||Insurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident.|
|Guaranteed Auto Protection (GAP)||You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled.|
|Personal Umbrella Policy (PUP)||This option provides an "umbrella" of coverage over several types of insurance.|
|Rental Reimbursement||If your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option.|
|Emergency Roadside Assistance||You can purchase this option from your insurer or a driving club.|
|Pay-As-You-Drive or Usage-Based Insurance||This isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage.|
|Non-Owner Car Insurance||This option is for people who do not own a car but borrow one occasionally.|
|Modified Car Insurance Coverage||If you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them.|
|Windshield Coverage||Windshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics)|
|Mechanical Breakdown Insurance||This coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you.|
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Now, the amount of coverage you choose is just one of the factors that affect car insurance prices. When applying for car insurance online, you’ll need to share your age, occupation, and car type.
How can drivers lower their rates?
Following safe driving practices is a great way to reduce your rates. Still, you can also take advantage of the discounts most insurance companies offer for a standard car insurance policy. Below, you can see just how many money-saving opportunities major insurance companies provide drivers:
|Discounts||21st Century||AAA||Allstate||American Family||Ameriprise||Amica||Country Financial||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safe Auto||Safeco||State Farm||The General||The Hanover||The Hartford||Travelers||USAA||Sources:|
|Adaptive Cruise Control||x||x||x||x||http://www.21st.com/car-insurance-by-state.htm|
|Daytime Running Lights||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||https://www.countryfinancial.com/en/insurance/auto-recreational/auto.html|
|Electronic Stability Control||x||x||x||x||x||x||x||x||x||https://www.nationwide.com/car-insurance-discounts.jsp|
|Forward Collision Warning||x||x||x||x||x||x||x||https://www.thehartford.com/aarp/car-insurance|
|Lane Departure Warning||x||x||x||x||http://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf|
|Loyalty||x||x||x||x||x||x||x||x||x||x||x||x||*Discounts and their availability vary by state and eligibility requirements|
|Married||x||x||x||x||x||x||x||x||x||x||x||x||x||x||*Safety Features are not always listed as "discounts" but almost always help lower the rate|
|New Customer/New Plan||x||x||x|
|On Time Payments||x||x||x||x|
|Seat Belt Use||x|
|Students & Alumni||x||x||x||x||x||x|
|Discounts Provided #||21||21||29||27||18||27||26||34||34||31||38||38||35||36||22||30||19||20||22||38||28||28|
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You can also keep your rates low by comparing quotes from at least five different companies. Since all policies are not created equal, this step allows you to review which quotes can get you the best coverage at the lowest rate.
What You Need to Know About Continental Insurance
The Continental Insurance Company falls under the purview of CNA. This entity primarily provides insurance for businesses, so if you need a standard car policy, you’ll need to shop online to find the perfect policy for your needs. You can get free quotes online from major insurance companies and review multiple quotes at once to see which one can save you the most money.