Say Auto Insurance Review: Should you buy in 2024?

If you are searching for auto insurance, you may want to consider Say Insurance. Depending on where you live, Say Insurance may be an excellent option for your car insurance policy. Say claims its premiums help customers save over $1,000 per year on coverage.

The company offers standard car insurance coverage options and roadside assistance. And policyholders can pursue discounts with Say to save even more money on their coverage. Unfortunately, Say Insurance is only available in six states: Missouri, Tennessee, Kansas, Colorado, Indiana, and Illinois.

What is Say Insurance?

Say Insurance is a Shelter General Insurance Company subsidiary and a fully online auto insurance provider. Through Say, individuals can purchase their state’s required coverage on their vehicles, or they can buy even more coverage to ensure they are fully protected on the road. 

Say Insurance states that its premiums are lower than competitors because it is an entirely online company, which cuts down on the costs of running a business. Still, the company offers individuals the option to get a quote directly from its website. 

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What types of coverage does Say offer?

Say Insurance offers the standard auto insurance coverages that you’re familiar with, including these coverage options:

• Collision
• Comprehensive
• Liability
• Medical Payments (MedPay)
• New car replacement
• Rental reimbursement
• Uninsured motorist
• Uninsured motorist property damage
• Roadside assistance

Full coverage — or a combination of liability, collision, and comprehensive coverage — is available through the company. So, depending on what you’re looking for in your auto insurance coverage, you may find that Say has what you need.

How much are Say car insurance rates?

The amount you will pay with Say, or any other auto insurance provider, varies based on several factors. These factors include:

• Age
• Gender
• Marital status
• Credit score
• Driving history
• Car make and model
• ZIP code
• Coverage types

However, potential policyholders should get a quote to discover what they would pay with the company. Still, with Say coverage, customers can save more than $1,000 per year.

The table below shows the average rates for car insurance in each state, depending on the coverage you choose.

Average Annual Auto Insurance Rates by State and Coverage Type

While Say rates are not explicitly published above, the table should help you see what you could expect to pay based on where you live. If you do not live in a state where Say operates, you should compare quotes with other providers to ensure you pay as close to your state’s average — or even less — as possible. 

Does Say Insurance offer discounts on coverage?

Say Insurance does offer its policyholders a few discounts on coverage. The company’s discounts include:

• Advance purchase
• Anti-theft
• Continuous insurance
• Defensive driving course
• Paperless
• Paid-in-full
• Accident forgiveness
• Multi-car

If you think you may qualify for a discount with Say Insurance, you can call the company and speak to a representative to see how much the discount may help you save in terms of monthly or annual coverage.

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How do you file claims with Say?

Say Insurance makes it easy to file a car insurance claim. Policyholders simply need to follow a few easy steps. To file a claim, policyholders can sign into their account online, use the Say Insurance app, or call 1-800-225-5729 to speak with a Say representative. 

Before filing a claim, you should make sure you have the following information at your disposal:

• All relevant contact information
• A list of any injuries incurred during the accident
• When and where the accident occurred
• Photos of the scene 
• The police report number (if applicable)

Once you file a claim, a Say adjuster will review your claim and call you to go into detail and ask any relevant questions. If you need your adjuster’s contact information, you can find it via your Say account. 

Next, Say policyholders can expect an estimate concerning their claim. Say Insurance suggests that all policyholders speak with their adjuster before completing any vehicle repairs. Doing so will help ensure all repairs and necessary rental cars will be covered.

Finally, your adjuster will describe the payment process to ensure you understand how and when you will receive any payments from your filed claim.

Does Say have good ratings and reviews?

Reviews on Say Insurance are sparse online. For example, A.M. Best has not given the company a rating for financial strength, nor has A.M. Best offered a future outlook concerning Say Insurance’s ability to help its customers with specific products. However, Say Insurance does have an A+ rating with the Better Business Bureau and a 4.71 rating in terms of customer reviews.

Say Insurance: The Bottom Line

If you live in Missouri, Tennessee, Kansas, Colorado, Indiana, or Illinois, you may want to consider Say Insurance for your car insurance needs.

Say Insurance offers almost any auto insurance coverage you might need, and the company states that it can save customers time and money when purchasing coverage and filing claims.

Before you choose Say Insurance for your car insurance needs, you should compare quotes from multiple companies in your area to make sure you get the coverage you want at a price that works for you and your family.

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