National Automotive Auto Insurance Company Review (Coverage + Claims)

National Automotive Auto Insurance went out of business in 2019. The company offered car insurance in Louisiana and Mississippi, and became a subsidiary of IMC in 2013.

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Company Details

Address:

111 Veterans Memorial Blvd. Suite 1420

City:
Metairie
State:
LA
ZIP Code:
70005
Phone Number:
(800) 738-6248
Year Founded
1988
AM Best Rating:
Company Rating 0 (0 reviews)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Written by

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 (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: May 28, 2020

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UPDATE: National Automotive Insurance Company is no longer in business as of 2019. The information presented below summarizes the company’s previous coverages and other information, but at this time you are no longer able to purchase a policy through National Automotive Insurance Company. Please use our free auto insurance comparison tool above to compare rates from companies in your area.

National Automotive Insurance Company Overview
Key InformationProvider Specifics
Year Founded1988
Subsidiary OfIMC
Current/Most Recent ExecutivesJoseph W McLeary, Board Member at IMC
Number of EmployeesNone, Currently
Total Sales/Total Assets as of 2018$5 million–$10 million
Headquarters Address4315 Rose Avenue
New Orleans, LA 70112
Phone Number504-268-9616
Company Websitehttp://www.nationalautomotiveinsurance.com/
Premiums WrittenNone, currently
Loss RatioNone, currently
Best ForNo longer available
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Researching insurance companies can be difficult. The National Automotive Insurance Company was a privately owned company with assets of $5–$10 million based in New Orleans, Louisiana, until 2019, but they closed and are no longer writing insurance policies in Louisiana. National Automotive Insurance Company claims are not longer being processed.

If you’re searching for information about National Automotive to get a quote, you are probably disappointed right now. Our National Automobile Auto Insurance company review will tell you all about what the company offered when they were still in business.

To find a quote from the best auto insurance companies (that are still in business) just enter your ZIP code in our quote tool above.

National Automotive Insurance Company Auto Insurance Rates

National Automotive Insurance Company offered policies for domestic and foreign cars, trucks, vans, and SUVs. The company wrote insurance for the states of Louisiana and Mississippi, offering several auto insurance discounts to qualifying policyholders.

We do not have any rates available for National Automotive at this time because the company is no longer writing insurance policies.

However, we would not have access to their rates even if they were still in existence because they required customers to inquire into their policies through an independent insurance agent. Unfortunately, without an online quote function, we aren’t able to provide sample rates for a company.

Here’s a look at average car insurance rates in National Automotive’s home state of Louisiana that can be compared to other companies.

Average Auto Insurance Rates in Louisiana by Coverage
Coverage TypesAverage Auto Insurance Rates
Liability$775.83/year
Collision$414.36/year
Comprehensive$215.17/year
Full Coverage$1,405.36/year
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National Automotive claimed to be the insurance company just for you with satisfaction guaranteed. Though we don’t have any information about what their rates would have been, they boasted fair and timely settlements and excellent customer service.

What is National Automotive Insurance Company’s availability by state?

Despite their name, while they were in existence the company only wrote policies in two states — Louisiana and Mississippi. Currently, they don’t have policies available in any state. Drivers in Louisiana and Mississippi can use our online quote tool to get a free insurance quote today.

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National Automotive Insurance Company Coverages Offered

National Automotive Insurance Company used to offer policies for cars, trucks, vans, and SUVs. The types of auto insurance policies available for these vehicles included basic forms and higher limit options.

The company used to write:

  • Non-Standard Policies
  • Middle/Preferred Policies
  • Standard Policies

Non-Standard Private Passenger Automobile Coverage – Non-standard auto insurance is designed for drivers who carry the most risk. Non-standard auto insurance considers the driver’s personal information and driving history and is offered to drivers considered the most likely to file a claim. These drivers typically pay the highest premiums for coverage.

Middle/Preferred Private Passenger Automobile Coverage – Preferred policyholders are the lowest risk and most desirable for an insurance company because they are least likely to file a claim or have a claim filed against their policy.

Standard Private Passenger Automobile Coverage – Standard policyholders are considered average, in that they may have the occasional ticket or a single accident but their driving history is otherwise good.

What are National Automotive Insurance Company’s bundling options?

National Automotive Insurance Company was exactly what it sounds like — an auto insurance company. They would have offered the ability to put multiple cars on a single policy, but they did not offer other coverages that could be bundled, such as life insurance or homeowners insurance.

Many companies offer lower rates for customers who will bundle multiple policies, so if you have several policies spread across multiple companies it might be worth your time to ask your favorite insurance company if they offer a bundling discount.

What are the discounts offered by National Automotive Insurance Company?

National Automotive Insurance used to offer several types of auto insurance discounts to qualifying policyholders.

These included discounts for:

  • Past coverage
  • Multi-car
  • Homeowner
  • Incident-free
  • Low-mileage
  • Full-pay
  • Driver education
  • College education

Most insurance companies these days offer a wide array of discounts, though each company has different options available.

For example, Geico offers discounts to active-duty military and veterans, but they don’t currently offer discounts for hybrid vehicles. There are other companies that do the exact opposite, offering green vehicle discounts but nothing specific to military members.

Discounts for a specific company can vary from state to state (or even city to city, in some cases) so it’s important to do your research on what discounts may apply with your insurer.

If you think you might qualify for a discount with your insurance company, give them a call and find out what discounts might apply to your policy. If you want a quote that includes potential discounts, you can use our quote tool below.

What programs are available from National Automotive Insurance Company?

As the company is currently no longer in business, there are no programs available at this time. Other companies may offer a wide array of programs, such as:

Usage-Based Apps – Many companies are now offering the potential for lower rates on your insurance if you let them track your driving activity. Some people really love the idea of getting rewarded for good behavior, but others are wary of the privacy violations and larger issues that come with allowing a corporation to track your movements.

Coupons or Discounts – Many insurance companies are giving discounts to employees or members of organizations with whom they have a business relationship. Check with your HR department at work to find out if there is a car insurance company offering discounts to people at your office.

Learning Center – Several major insurance companies now have online learning opportunities available to their customers. You can learn all about being a safer driver, maintaining your vehicle, and other insurance-related topics.

Accident Forgiveness – There are a few companies offering accident forgiveness as a plan option, but don’t be fooled — this is almost always an additional benefit that you pay for, not something the insurance company is providing out of the goodness of their hearts.

Canceling Your National Automotive Insurance Company Auto Insurance Policy

If you did have National Automotive for your insurance company in the past, at this point your policy should have already been canceled when the company closed down.

If you’re still being billed for coverage, reach out to your bank or your credit card company to stop any automatic payments.

You cannot reach out to National Automotive because their phone numbers have all been disconnected, so working with your bank is the only way to stop any automatic payments.

How to Make a National Automotive Insurance Company Auto Insurance Claim

You can’t file a claim with the company any longer, but if you had filed a claim in the past or need information on how claims were filed with National Automotive, continue reading below.

All the most common auto insurance claims through National Automotive were processed through Fidelity Insurance, LLC under a contract with National Automotive Insurance. Claims were processed with a 14 day average turnaround time.

Upon a state investigation, claims were only denied if the policyholder did not have coverage, the opposing driver’s insurance paid, the policyholder decided not to pursue the claim, or the cost was less than the deductible.

National Automotive Insurance Company had an agreement with Southern Gulf in Baton Rouge, Louisiana, to handle all bodily injury claims that occurred in the southwestern part of Louisiana.

All adjusters were trained in the area of fraudulent claim filing. They investigated and reported any suspicions or stolen vehicles to the National Insurance Crime Bureau. If a claim was denied because it was deemed fraudulent, it was reported to the State Police Insurance Fraud Unit and the Department of Insurance.

Claims were typically filed via phone, fax, or mail.

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How to Get a National Automotive Insurance Company Auto Insurance Quote Online

When National Automotive was still in business, it did not provide an online quote option. Because they were a smaller company, they did not have a major online presence. This meant that people signing up for coverage had to get a quote through an independent agent.

This is normal for small insurance companies, with many still requiring you to reach out to an agent for a quote.

National Automotive Insurance Company agents were all independent agents out of Louisiana. All independent agents in the state are part of the Independent Insurance Agents and Brokers of America.

There are approximately 200 auto insurance agents who can underwrite policies for small insurance companies.

National Automotive Insurance Company Ratings

National Automotive Insurance Company was a member of the Better Business Bureau. The company had been an accredited member since 1997.

According to their site, there had been only a handful of complaints in the last several years the company was active. One complaint was a billing issue, and the other four were problems with products and services. All of these complaints occurred between the years 2008 and 2010 and they were all resolved.

When looking for reviews about companies, there are several organizations you can consult, including:

A.M. BestA.M. Best rates companies on financial stability. Their scale goes from A++ to D.

Better Business Bureau – The Better Business Bureau rates companies on ethics and consumer complaints by state.

Moody’s – Moody’s rates companies based on financial factors, with a scale that goes from Aaa to C, with Aaa being the highest rating and C being the lowest.

Standard & Poor’sStandard & Poor’s, otherwise known as S&P, also rates insurance companies based on their financial abilities. They rate companies on a scale from AAA to D.

NAIC – The National Association of Insurance Commissioners rates companies by their complaint ratio, among other standards.

J.D. PowerJ.D. Power and Associates ranks insurance companies based on overall satisfaction, price, billing process and policy information, interaction, and claims.

National Automotive Insurance Company: Auto Insurance History

National Automotive was based out of Louisiana. Its headquarters was located in a couple of different locations over the years, including:

111 Veterans Memorial Blvd. Suite 1420
Metairie, LA 70005
(800) 738-6248

4315 Rose Avenue
New Orleans, LA 70112

They also held the following addresses for mailing and payments:

Payment Address:
P.O. Box 660854
Dallas, TX 75266-0854

Mailing Address:
P.O. Box 6800
Metairie, LA 70009

National Automotive Insurance Company started in 1988. They sold policies in Louisiana and Mississippi. In 2013, the company became a subsidiary of IMC.

National Automotive Insurance Company officially went out of business in 2019.

Does National Automotive Insurance Company have commercials?

Our research turned up no evidence of television commercials for National Automotive, but that doesn’t mean they never advertised on TV or on the radio.

Given that they started in 1988, the odds are good that they had commercials at some point. However, because the company was so small and is no longer in business, there is no record of these advertisements on the internet.

Is National Automotive involved in the community?

Much like finding commercials, finding information about the ways that National Automotive Insurance Company might have been involved in the community is difficult. Because they no longer exist and were such a small company, records of their participation in the community are not readily available.

Based on the company’s size, the odds are good that it sponsored local schools, teams, and events in Louisiana and Mississippi.

Larger companies like State Farm and Geico usually contribute to the community by donating money and man hours to local and national non-profits, sending its employees to help out at charities or writing checks to hospitals or other worthy organizations.

If National Automotive was active in the community, they likely made donations to local little league teams, scout troops, and other community-based organizations in the area.

What do National Automotive Insurance Company employees have to say?

There are several websites that provide reviews from employees regarding the companies they work for, as well as statistical information, such as pay rates and the average age of employees.

It can be helpful to know how a company treats its employees. Not only does it give you an idea of how happy the employees are and how much turnover the company has, but when employees are treated well, it’s likely that customers are treated well also.

Glassdoor – While job searching is available through Glassdoor, the site provides much more than just a place to apply for jobs. You can compare salaries, read reviews from previous and current employees, and find salary information for specific positions within a company.

Payscale – As the name implies, Payscale provides salary ranges for positions within a company. The site also provides age and gender breakdowns for a company’s employees, as well as company locations and salary breakdowns by position and gender.

Greatplacetowork – Greatplacetowork has a slightly different approach than the other two sites listed above, providing a company overview, employee demographics, and employee reviews.

National Automotive Insurance Company is not listed on any of the websites above, which means there are no easy ways to access employee comments or reviews of the company. As they are no longer in business, there are no current employees who can comment on their employment situation at this time.

In 2013, careers at National Automotive Insurance could be found by searching job sites like Manta. National Automotive Insurance had approximately 20–49 employees at that time.

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Design of National Automotive Insurance Company’s Website & App

It’s unclear whether National Automotive Insurance Company ever had an app available for your smartphone, as there is currently nothing available in the Google Play store for the company.

Given the size of the organization, it is likely that there was never an app available, or if there was, the company may have made use of another company’s app to allow its customers to pay their bills and maintain their policies with their phones.

National Automotive’s most recent website was somewhat useful, but it had limitations for what a customer could do online.

You could find the company’s address and contact information through the website. You could also read articles about car insurance. There may have been a way to pay your bill online as well, though that isn’t immediately apparent when you look at the website as it stands today.

July of 2019 was the last time anything was posted to the website. The post was a list of 101 insurance companies that can help you get the best deal.

National Automotive: The Bottom Line

National Automotive Insurance Company may have been a good company at one point, but they are no longer in business.

If you need a quote for an auto insurance policy, you can get online auto insurance quotes from active providers by entering your ZIP code into the FREE rates tool below.

Frequently Asked Questions: National Automotive Auto Insurance

If you still have questions about National Automotive Insurance Company, take a look at our frequently asked questions below.

Are National Automotive Insurance Company and NAIC the same thing?

While the initials of National Automotive Insurance Company are indeed NAIC, this isn’t the company people are talking about when they mention this particular acronym. The NAIC is the U.S. organization that sets insurance standards and provides regulatory support for the industry, created by the chief insurance regulators in all 50 states.

I want an insurance policy through a small company like National Automotive. What should I do?

Typically, small companies require you to get a quote through an independent agent. If you feel like this is the right choice for you, reach out to an independent agent in your area. However, keep in mind that policies through smaller companies are often more expensive than policies through larger companies.

They often make up for the increased cost with unique policies and personalized customer service, but the increased cost is something to consider when choosing a policy.

It’s always best to find an agent that works independently rather than one attached to an insurance company. This is the only way you can be certain that there is no conflict of interest. They will be able to help you answer questions from ‘what are the top five insurance companies’ to ‘what are the worst insurance companies’.

Before reaching out to an agent, you may want to use our free quote tool to find out what other options you might have.

Is National Automotive Insurance Company in Louisiana?

National Automotive Insurance Company was in Louisiana while they were still in business. It was located in Metairie and New Orleans at various points in its existence. The company also sold policies in Mississippi.

Is it true there was a class action settlement against National Automotive Insurance Company?

There was a class action lawsuit against the company in 2007 stating that National Automotive Insurance Company illegally denied claims for vehicles damaged while being driven by someone who was not named insured on the policy.

The proposed settlement included refunded premiums and an additional $2,000 for each insured impacted by the class action suit. Anyone who felt that they were due compensation in this class action lawsuit was required to submit their information before December 1st, 2007.


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