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. He has also been featured on sites like UpJourney.

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2020

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Company Details
Address: 3250 Interstate Drive
City: Richfield
State: OH
ZIP Code: 44286
Phone Number: 1-800-929-1500
Website: http://www.nationalinterstate.com/
Year Founded: 1989
AM Best Rating: A (Excellent)
Company Rating 1 (3 reviews)

Things to Remember...

  • National Interstate Insurance Company has 30 lines of insurance including personal and commercial lines of insurance products
  • The National Interstate Corporation specializes in providing insurance coverage for the transportation industry
  • All of the subsidiaries of the National Interstate Corporation have received an A (Excellent) rating from the A. M. Best Company
  • For personal auto insurance products, the National Interstate Insurance Company offers recreational vehicle insurance, commercial vehicle insurance, and companion auto insurance

The National Interstate Auto Insurance review is a review of the National Interstate Insurance Company located in Richfield in Ohio. The National Interstate Insurance Company began as an insurance provider for the transportation industry.

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Over the past 20 plus years, the National Interstate Insurance Company has expanded its insurance product lines to more than 30 different lines of insurance.

These 30 lines of insurance include personal and commercial lines of insurance products.

National Interstate Insurance Company Overview

The National Interstate Insurance Company is a fully owned subsidiary of the National International Corporation. This corporation is a property and casualty insurance holding company that is listed on the NASDAQ as NATL.

The National Interstate Corporation specializes in providing insurance coverage for the transportation industry.

The National Interstate Insurance Company uses many different methods to provide the travel industry with their specialty lines of insurance.

Some of the methods that the National Interstate Insurance Company uses are independent insurance agencies, insurance brokers, agent Internet initiatives, and special affiliated agencies.

All of the subsidiaries of the National Interstate Corporation have received an A (Excellent) rating from the A. M. Best Company.

A. M. Best is one of the leading financial strength rating providers for the insurance industry in the United States.

Even though the National Interstate Insurance Company is headquartered in Richfield, Ohio the company also has main locations in Mechanicsburg, Pennsylvania, Fenton, Missouri, Honolulu, Hawaii, and St. Thomas in the Virgin Islands.

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Product Overview of the National Interstate Auto Insurance Company

The National Interstate Insurance Company offers multiple lines of personal and commercial insurance. The commercial lines of insurance offered by the National Interstate Insurance Company are:

  • Truck transportation insurance
  • Passenger and public transportation insurance
  • Community and medical transportation insurance
  • Alternative risk transfer insurance
  • An accident event recorder program
  • Specialty business insurance programs for both the states of Hawaii and Alaska

For personal auto insurance products, the National Interstate Insurance Company offers recreational vehicle insurance, commercial vehicle insurance, and companion auto insurance.

The companion auto insurance policy offers certain benefits that a policyholder would not be able to get with a more traditional auto insurance policy. Some of these benefits include single deductible, GAP insurance, and diminishing deductible.

The single deductible benefit protects the policyholder when they are in an accident that damages both their personal vehicle and recreational vehicle.

With this plan, the policyholder does not have to pay a deductible for each individual vehicle, but rather one deductible that covers both.

The diminishing deductible benefit is a special option that benefits those with a good driving record. For every year that a policyholder goes without filing a claim their deductible is reduced by 25 percent.

GAP insurance is a special auto insurance option that covers the difference when the policyholder’s car is damaged and the insurance payout does not cover the outstanding lease or loan on the vehicle.

Some of the other benefits offered by the National Interstate Insurance Company companion auto insurance policy include combined billing, a multi-policy discount, and even special physical damage coverage for those that frequently travel to Mexico.

Specialty Lines for Alaska and Hawaii with National Interstate Insurance

The special lines of commercial insurance designed specifically for businesses in Hawaii and Alaska by the National Interstate Insurance Company are designed for home, business, and travel insurance specific to these states.

The Alaska and Hawaii transportation insurance option offers specially designed coverage for passenger transportation and truck transportation.

Careers with the National Interstate Insurance Company

The National Interstate Insurance Company has many career benefits and opportunities. A career with the National Interstate Insurance Company brings with it a wide range of benefits.

Some of the benefits include health insurance, dental and vision insurance, life insurance, accidental death and dismemberment insurance, shot and long-term disability coverage, and flexible medical and dependent care spending accounts.

A career with the National Interstate Insurance Company also offers a vast array of financial and personal benefits.

Some of these include a 401 (k) saving plan, a profit-sharing plan, paid time off, company holidays, a commission-based sales program, bereavement leave, and a referral reward bonus program.

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References:

  1. http://www.nationalinterstate.com/
  2. http://www3.ambest.com/ambv/bestnews/presscontent.aspx?altsrc=23&refnum=23938
  3. http://www.nationalinterstate.com/AboutUs
  4. http://www.nationalinterstate.com/ServiceCenter/RiskManagement
  5. http://www.iii.org/article/understanding-your-insurance-deductible
  6. http://www.fox4news.com/news/consumer/151539527-story
  7. http://www.nationalinterstate.com/ServiceCenter/Basics
  8. http://www.nationalinterstate.com/InsuranceChoices/Hawaii/Transportation
  9. http://www.nationalinterstate.com/InsuranceChoices/Alaska/Transportation