Simplify How You Safeguard Loan Collateral

Find the right fit to protect your auto loan portfolio with a full range of solutions from State National. Let us take on the risk of uninsured borrowers so you can focus on growing your business.

Find out how State National can help solve real-world challenges:

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Credit Unions

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Finance Companies

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More growth. Less risk.

As the industry leader in Collateral Protection Insurance (CPI), State National continues to build on our services and expertise to safeguard your portfolio and improve your ongoing performance.

Streamline the process.

Experience the easiest claim-filing process in the industry, requiring no paperwork for most claims. Simply file a claim and we’ll process it for all applicable coverages — and ensure prompt payment.

Free your team to focus on customers.

Work more efficiently and respond to issues quickly by using the industry’s only fully online tracking system: InsurTrak. You get as much visibility into your program as you want, with easy access to complete program management and reporting — including recordings of all borrower calls, available immediately right in the system. Currently tracking 6.4 million loans for over 600 clients, InsurTrak leverages continuously updated insurance insights for your business, providing convenient, innovative features that help you:

  • Save time and minimize paperwork with unparalleled efficiency.
  • Get instant access to all the real-time data you need.
  • Ensure complete transparency for every transaction.

“I've been in this business for about 20 years and worked with different CPI companies throughout the years, and with State National it's a different feel. Working with State National, I get that efficient, seamless process I didn't have with other companies.”

Larry Jimenez, AVP of Payment Solutions, True Sky Credit Union

Other ways we raise the bar

Strategic alliances

We’re the best at what we do because we focus exclusively on portfolio protection — and because we partner with like-minded companies that are the best at what they do.

Illustrated and animated chart showing seamless systems, exceptional client & borrower experience, and technology solutions

Reduced noise. Superior delivery.

Through proprietary technologies like WRAP (Web-based Robotic Automated Processing), VeriTrak, and InstaClaim, we seamlessly handle data gathering, verifications and notifications formerly managed by call center staff — all without human intervention, and with everything updated automatically in InsurTrak.

Unlike sites designed specifically for lenders, is customized to the needs of borrowers — making it incredibly easy for them to get the information they need and submit their documentation online. Plus, it’s privately labeled with your financial institution’s brand, reinforcing the relationship you have with your borrowers.

CPI: The Basics

CPI ensures property held as collateral for loans made by lending institutions. Lender costs are predictable, and only those borrowers who require CPI coverage pay for it. Contact us for more information.


State National also offers insurance fronting in all 50 states, increasing your ability to pursue new markets and capitalize on game-changing opportunities.

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