Say Car Insurance Review [2023]

Say Insurance Car Insurance Company is a part of the Shelter General Insurance Company brand. Created to cater to the customers interested in online insurance policies, you can only buy Say car insurance online. At this time, Say car insurance quotes are not publicly available, but customers can save up to $1,126 each policy term by earning policy discounts.

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Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

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Written by Laura Berry
Former Licensed Insurance Producer Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Company Details
Address: 1817 West Broadway
City: Columbia
State: Missouri
ZIP Code: 65218
Phone Number: (800) 225-5729
Year Founded: 2016
AM Best Rating: A
Company Rating 0 (0 reviews)

The Shelter General Insurance Company brand created Say Insurance Car Insurance Company in 2016 to provide car insurance to customers interested in purchasing policies entirely online.

You can only request Say car insurance quotes in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

In this Say Insurance car insurance review, compare customer experiences and financial ratings, learn about the claims process, and determine if Say Insurance is a good fit for your car insurance needs.

After learning how to buy Say car insurance, remember to enter your ZIP code into our free rate tool above to compare quotes from the top companies in your region.

What is Say Insurance Car Insurance Company?

To reduce overhead costs and appeal to more tech-savvy customers, the Shelter General Insurance Company created the Say Insurance Car Insurance Company.

Say Insurance underwrites policies in six states: Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

If you’ve never heard of Say Insurance, that may be because it’s new to the industry. The company recently celebrated its fifth anniversary.

However, its parent company, the Shelter General, has been selling car insurance policies since 1946.

While Say car insurance rates are not publically available, customers can save up to $1,126 each term by earning different policy discounts.

Some sources cite the average rates from Shelter General cost between $655 annually for basic coverage and $2,199 annually for full coverage car insurance.

Since Shelter General backs Say Insurance, it’s possible the prices for coverage could look similar.

To request a Say car insurance quote, go to the company website and use the online quote tool or call an agent directly. Usually, applying takes five minutes.

Say Insurance sells different types of car insurance coverages, including liability, comprehensive, and collision insurance.

It also sells medical payments (MedPay) and uninsured motorist coverage. Plus, all policies also come with roadside assistance and an accident forgiveness package.

As a free customer benefit, Say Insurance does not increase your rates after your first accident with damage less than $1,000.

However, Say Insurance does not sell high-risk drivers’ car insurance. So people in need of SR-22 car insurance should look at other companies.

Fortunately, as a Say Insurance customer, you have access to a mobile app that allows you to pay your bill and make any necessary policy changes.

You also have access to digital insurance cards, the claims center, and roadside assistance through the app.

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What is the cost of Say Insurance car insurance?

Say car insurance quotes are not publically available at this time. However, the average rates for Shelter General, its parent company, cost between $655 and $2,199 annually.

Know that your driving record and insurance history heavily influence your Say car insurance rates.

Your car insurance points also impact your Say Insurance rates. In addition, the company uses the information to reward you with your Say score.

Your Say score helps determine your rates and as well as possible discounts.

According to the company website, you may receive a higher than average quote from Say Insurance if your driving record is imperfect or you filed multiple insurance claims in the past.

If you request a quote online but are denied, it’s because the Say Insurance system determined the company is not the right fit for you.

For more details as to why your application was denied, contact the Say Service Squad by phone.

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

Filing a Say car insurance claim takes about 10 minutes. You can use the mobile app or call an agent directly to file a claim.

The claims center in your My Say mobile app is available 24-hour a day, seven days a week.

Be sure you gather photos of the accident, a list of any injuries, and any other relevant details that may help with the claims process. Say Insurance also requests you obtain a copy of the police report.

Once an adjuster takes your case, their contact information appears directly in your My Say app.

But ensure you get an estimate from the adjuster before completing any vehicle repairs. The adjuster then walks you through the payment processes for both medical and property damage needs.

Fortunately, real Say Insurance customers rate the claims process highly. The claims department received a 90% satisfaction rate, according to a survey sent to all clients who filed claims in January 2021.

Does Say Insurance offer discounts?

Say Insurance offers a handful of stackable car insurance discounts leading up to $1,126 worth of savings each policy term.

However, the available deals and rate reductions vary slightly by state.

So in the table below, see more details about what discounts Say Insurance offers, how much you can save, and where the deals are available.

Say Insurance Car Insurance Discounts
Discount NamePotential Rate ReductionPolicy Types Reduced by DiscountStates Where Available
Advance purchase discount10%Full policyCO, IL, IN, KS, MO, TN
Anti-theft discount15%Comprehensive coverageIL
Continuous insurance discount10%Full policyCO, IL, IN, KS, MO, TN
Defensive driving course discount10%Liability, Medical Payments, and Collision coverageCO, IL, IN, KS, TN
Paperless discount10%Full policyCO, IL, IN, KS, MO, TN
Pay-in-full discount10%Full policyCO, IL, IN, KS, MO, TN

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You can also earn discounts by adding more than one vehicle to your policy, according to the website. However, there is no additional information available as to exactly how much you might save.

Unfortunately, there do not appear to be any available insurance bundles through Say.

However, you do get complimentary accident forgiveness and roadside assistance, an excellent customer benefit. Often, these are policy add-ons that are available for an additional fee.

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What are the Say Insurance car insurance ratings and reviews?

Understanding an insurance company’s customer ratings and financial reviews helps you determine if the company is reliable and easy to work with.

Technically, Say Insurance does not have an A.M. Best ranking at this time. But its parent company, the Shelter General, earned an A rating.

Because Shelter General backs Say Insurance, you can trust the company to close out any open claims, as it is in a solid financial position.

Fortunately, Say Insurance is Better Business Bureau accredited and earned an A+ score. This rating suggests that the company interacts well with its customers.

However, Shelter General’s customer reviews are not as positive as Say Insurance. It earned a complaint index of 5.56, according to the National Association of Insurance Commissioners (NAIC).

While negative online reviews are commonplace for insurance companies, a score of 5.56 is high.

It implies that Shelter General receives many more customer complaints than what is considered average in the industry.

Keep this in mind while comparing the best car insurance companies to find your cheapest car insurance coverage.

What is the history of Say Insurance?

Say car insurance company is a newcomer to the insurance industry. Founded in 2016, it only recently celebrated its fifth anniversary.

However, it’s backed by the historical Shelter General Group of Companies. Shelter General started selling car insurance in Missouri back in 1946.

Eventually, Shelter General expanded into 21 states across the country and started selling additional lines of insurance through various subsidiaries, including property and casualty insurance and life insurance.

Shelter General created Say Insurance to reach the customers interested in purchasing online car insurance policies.

Today, Say Insurance operates fully online, which helps reduce overhead costs and leads to lower car insurance rates. It sells policies in six different states.

What other insurance types does Say Insurance sell?

You can only buy car insurance policies from Say Insurance. Unfortunately, at this time, the company does not offer any other lines of coverage.

But what car insurance coverages does Say sell? In the states where Say Insurance operates, you can purchase at least the minimum level of required coverage.

Take a look at the table below to see all car insurance coverage options available from Say Insurance and learn what it protects you from.

Car Insurance Coverages Offered by Say Insurance
Insurance Type OfferedWhat It Covers
Collision insuranceCovers for damage to your vehicle while in motion, regardless of fault. A deductible applies.
Comprehensive insurancePays for damage to your vehicle from non-accident-related incidents, including theft, vandalism, and weather damage. A deductible applies.
Liability insuranceCovers damage to another driver if you're responsible for causing an accident.
Medical Payments coverageHelps cover your medical bills as well as your passengers' medical bills resulting from an accident, regardless of fault.
New car replacement coverageEnsures you can replace your vehicle with a similar vehicle if your car is stolen or totaled.
Rental reimbursementHelps with rental car costs after an accident as long as you purchase either comprehensive or collision coverage.
Uninsured motorist coverageProtects you and your car if you're hit by an at-fault driver who does not carry enough insurance or is entirely uninsured.

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Remember, you can only purchase a Say Insurance policy if you live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee.

Similarly, the company does not usually accept high-risk drivers.

So people with poor driving records, multiple traffic citations, or many insurance claims may need to look elsewhere for coverage.

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Say Insurance Car Insurance: The Bottom Line

If you live in one of the states where Say Insurance operates and you’re a safe driver, consider adding this company to your list while comparison shopping for coverage.

Not only do you get accident forgiveness and roadside assistance as part of your policy, but the company also underwrites cheaper rates for drivers with perfect records.

Say Insurance is also ideal for people who prefer purchasing car insurance online and interacting with claims adjusters and agents through a mobile app.

But that also means Say Insurance might not be for you if you prefer face-to-face interactions with your car insurance company.

Plus, this company is not compatible with high-risk individuals, including teens and people with poor driving records.

Now that you’ve learned about affordable Say car insurance, find the cheapest coverage from the top companies near you by entering your ZIP code into our free rate comparison tool below.

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