Say Insurance Review & Complaints

Say Insurance car insurance is currently available in six states and offers savings of up to $187/month for new customers. Say Insurance car insurance is A+ accredited by the Better Business Bureau (BBB) and has also received 4.5 out of five stars for customer satisfaction through the BBB. The company’s goal is to offer simple and affordable car insurance to customers. Say Insurance, a subsidiary of Shelter Insurance, sells car insurance products through an entirely online process.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 15, 2021

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The Highlights

  • Say Insurance car insurance is currently available in six states and offers standard coverage like liability, collision, and comprehensive, and add-ons like roadside assistance, which is included in all policies
  • Founded in 2016 as a subsidiary of Shelter Insurance, Say Insurance is A+ accredited from the Better Business Bureau and has 4.5 out of five stars for customer satisfaction
  • New customers may be able to save up to $187 per month on their rates by switching to Say Insurance

If you’re looking for the best insurance companies, we know it can be overwhelming. Is Say Insurance car insurance right for you? How does it work? Is Say Insurance legitimate, and who owns the company? Can you find affordable Say Insurance car insurance? How much are average Say Insurance car insurance rates?

Only you can decide if Say Insurance is right for you, but to help you out, we’ve answered these and other questions in this Say Insurance car insurance review. Read on for everything you need to know to make a decision.

We know saving money is important to you, so before we get into this Say Insurance car insurance review, why don’t you enter your ZIP code in the tool on this page to get a free quote and start saving today?

What are average Say Insurance car insurance rates?

We don’t have average rates for Say Insurance (a subsidiary of Shelter Insurance), but the company does take pride in offering competitive rates and opportunities to save.

As a smaller company, Say Insurance can be a bit picky about which customers to insure. As a result, overall rates can stay lower because the company covers fewer high-risk drivers.

According to Say Insurance, you can save up to $1,126 on your rates per term. Savings depend on your circumstances, what you were paying before, which discounts you qualify for, and more.

Say Insurance is proud to be as transparent as possible with customers, which includes providing customers with their insurance scores.

While Say Insurance uses many traditional factors (age, driving record, credit history, etc.) to develop an insurance score for each customer, that insurance score is adjusted further to create a Say score. The Say score is the company’s tool for determining rates and rewarding customer loyalty.

Keep reading to find out where you can buy Say Insurance car insurance, how you can find Say Insurance car insurance quotes, and more.

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Where can you get Say Insurance car insurance?

So in what states is Say Insurance available? Say Insurance availability is still somewhat limited. The company’s insurance products are currently only sold in six states:

  • Missouri
  • Tennessee
  • Kansas
  • Colorado
  • Illinois
  • Indiana

However, even if you can’t get Say Insurance in your state right now, the company is expanding and plans to make its car insurance available in other states.

What are the company ratings for Say Insurance car insurance?

Ratings for financial stability and customer satisfaction are other factors potential customers can consider when shopping for insurance beyond just price (though the price is often the most significant factor). We know finding information like this can be overwhelming, but not to worry, we’ve collected and summarized relevant data for you here.

Say Insurance currently has an A+ accreditation from the Better Business Bureau and a 4.5 out of five stars for customer satisfaction.

The National Association of Insurance Commissioners (NAIC) collects customer complaint information to calculate the average number of complaints received across the car insurance industry, represented by the number one. You can then compare this to complaint data for individual companies to see how they rank.

The NAIC doesn’t have any complaint data for Say Insurance at this time. However, the NAIC complaint index for Shelter Insurance was 0.58 in 2020, which is well below average (and has been steadily decreasing since 2018, meaning fewer complaints each year).

A.M. Best is a financial rating company that focuses on the insurance industry. The company has not rated Say Insurance at this time, but Say Insurance’s parent company, Shelter Insurance, has an A.M. Best rating of A, which indicates it is financially stable and has a positive financial future.

What coverage options does Say Insurance car insurance offer?

Say Insurance sells customers the following standard coverage options:

Where you live, how many vehicles you have, your driving record, and other factors will help determine precisely how much insurance you need.

Does Say Insurance car insurance offer any add-ons?

In addition to standard coverage, you can get a couple of add-ons through Say Insurance, including:

  • Roadside assistance – comes automatically with any policy and covers up to $100 for towing, locking yourself out of your vehicle, getting a flat tire, etc.
  • Rental reimbursement – does not automatically come with your policy, but if you opt-in, it provides coverage for a car rental when your vehicle is in the shop after a covered incident

Now that you know what coverage options you’ll have with Say Insurance, what kind of discounts or perks can you get through the company? Keep reading to find out.

Are there any discounts or other perks available with a Say Insurance car insurance policy?

Say Insurance offers many of the discounts that major insurance companies typically provide. These include:

  • Advance purchase – you can save if you purchase a policy at least seven days ahead of the date your policy starts
  • Anti-theft – with an anti-theft device on your vehicle, you may be able to save on your comprehensive coverage
  • Continuous insurance – if you’ve had no break in coverage before switching to Say, you may qualify for a discount
  • Defensive driving course – you can save if you take a defensive driving course
  • Multi-vehicle – if you have more than one vehicle on your policy, you’ll get a discount
  • Paperless – you’ll qualify for a discount if you elect to go paperless
  • Pay-in-full – if you pay for your policy upfront, rather than paying for it monthly, your rates will be lower

In addition to discounts, Say Insurance offers accident forgiveness for incidents that cost less than $1,000.

Finally, Say Insurance rewards customer loyalty. Remember the Say score we mentioned earlier? Every time you renew your policy with Say Insurance (every six months), 50 points are automatically added to your Say score. With that 50 point increase, you’ll save an average of an additional 4% on your rates each time you renew.

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How do you buy and manage a Say Insurance car insurance policy?

You can buy a Say Insurance policy by reaching out to the company directly for a quote. Once Say covers you, managing your policy is simple. And you have options. You can manage your Say Insurance policy by signing into your My Say account on the Say Insurance website, calling the customer service line, or using the Say app.

You can download the Say app from either the App Store or the Google Play store. The Say app includes options for filing a claim, paying your bills, updating your policy, requesting roadside assistance, and more.

How do you file a claim with Say Insurance car insurance?

The Say Insurance claims process is quite simple. When you need to file a claim, you’ll need to:

  • Either call Say Insurance or log into your My Say account (online or through the Say app) to start the process (instructions will be provided for how to file your claim)
  • Once you’ve filed your claim, a claims adjuster will review it and will work with you to get any additional information needed to make their determination
  • You can request an estimate for the cost of repairs and a rental vehicle and speak with your adjuster to find out if the total costs and rental will be covered
  • Once all the information is confirmed, your claims adjuster will help you through the process of getting paid for any covered repairs, medical costs, rental reimbursement, etc.

To ensure your claim is processed quickly and is more likely to be accepted, you should be prepared with the following information:

  • Names and contact information for everyone involved in the accident
  • Information on any injures that resulted from the accident
  • Date, time, and location of the accident
  • Photos of the accident, damages, etc. (as many photos as possible from as many angles as possible is best)
  • Police report number, if you have one

Say Insurance has a 90% customer satisfaction rate for the claims filing process, according to a survey the company administered to its customers in January of 2021. And you can file a claim whenever you need to, day or night.

What are the pros and cons of Say Insurance car insurance?

Given your needs and situation, the Say Insurance car insurance company may or may not be right for you. To help you decide, we’ve put together some of the company’s major pros and cons.

Some of the pros of Say Insurance include that roadside assistance is included in every policy. You can buy and manage your policy entirely online. The company is open with you about your insurance score, and customer service is available 24/7 through email, chat, and over the phone.

Some of the downsides of Say Insurance are that you can buy and manage your policy entirely online. We know we listed this as a pro, but depending on your preferences, it can also be a con, particularly if you prefer face-to-face interactions. Additionally, Say Insurance does not cover anyone who needs an SR-22 (though for overall rates, this may be a good thing).

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Say Insurance Car Insurance: The Bottom Line

Say Insurance, a subsidiary of Shelter Insurance, strives to offer customers lower rates and simple coverage options. As a part of this, Say Insurance focuses on excellent customer service and receives 4.5 out of five stars for customer satisfaction and an A+ accreditation from the Better Business Bureau.

Whether Say Insurance car insurance is available where you live or not, comparing quotes from at least three companies is still the best way to save. You can use your ZIP code in our tool to get your first free quote from a company in your area right now.

Frequently Asked Questions: Say Insurance Car Insurance

If you still have questions about Say Insurance, read through these frequently asked questions for more information.

 #1 – Can I bundle my Say Insurance car insurance with home or rental insurance?

Say Insurance only sells car insurance products, so bundling your car insurance with home, renters, or other insurance products isn’t an option at this time.

#2 – Does Say Insurance cover drivers with a learner’s permit?

According to the company website, Say Insurance only insures drivers with a full license.

#3 – Does Say Insurance sell coverage to everyone who requests a quote?

The short answer is no. As we mentioned earlier, Say Insurance doesn’t cover people who need an SR-22. If you don’t need an SR-22, but Say Insurance is still unable to provide you with a quote, there may be other reasons why you don’t qualify.

You can reach out to Say Insurance directly to learn more about why you don’t qualify and what other options you may have.

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