Say Insurance Auto Insurance Review (2022)

Say Insurance Auto Insurance Company is a subsidiary of the Shelter General Insurance Company brand and sells auto policies entirely online. Say auto insurance rates are not available, but the website claims customers can save up to $1,126 per term in discounts. Currently, you can buy Say auto insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 12, 2021

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A Concise Overview

  • Say Insurance auto insurance company is a subsidiary of the Shelter General Insurance Company brand
  • Rates for Say auto insurance are currently not publically available
  • Say Insurance customers may save between $6.60 to $1,126 each policy term by qualifying for discounts

Say Insurance auto insurance company operates fully online and the Shelter General Insurance Company owns it.

You can only buy Say auto insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Below, discover how to request a quote, look at reviews of the claims process and financial stability rankings, and determine if auto insurance coverages from Say are right for you.

Read on to learn about the Say Auto Insurance Company. Enter your ZIP code into our free rate comparison tool above to receive quotes from the best companies near you.

What is Say Insurance Auto Insurance Company?

Say Insurance is part of the Shelter General Insurance Company brand. To reduce overhead costs and provide cheaper policies for customers, it sells auto insurance policies entirely online.

Say Insurance is a relative newcomer and recently celebrated its fifth anniversary.

It currently only operates in six states: Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Currently, Say auto insurance rates are not publicly available. However, auto insurance quotes from its parent company, Shelter General, are typically higher than average.

According to a few sources, the average Shelter General auto insurance rates in 2020 cost $655 per month or $2,199 annually.

The only way to request Say auto insurance quotes is through the company website or by calling a Say agent directly. According to the website, starting a quote only takes five minutes.

Say Insurance sells collision, comprehensive, and liability insurance. This company also offers medical payments coverage, new car replacement coverage, rental reimbursement, and uninsured or underinsured motorist protection.

Plus, roadside assistance is included in all policies and provides 24-hour emergency support to drivers.

You’ll also get accident forgiveness as a Say customer. Your rates do not increase as a result of an accident costing under $1,000.

Say Insurance provides a mobile app for customers. In the app, you can make policy changes, update your payment information, and access digital insurance cards and roadside assistance.

But if you need high-risk auto insurance, you’ll have to look elsewhere. Unfortunately, at this time, Say Insurance does not provide coverage for people in need of SR-22 insurance.

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How much does Say Insurance auto insurance cost?

At this time, Say Insurance does not advertise its auto insurance rates.

However, some sources claim the average rates from its parent company, the Shelter General, cost as much as $655 per month or $2,199 annually.

According to the Say Insurance website, a high quote from the company means you may have violations on your driving record or have a history of filing multiple insurance claims.

Your insurance points also affect your affordable Say auto insurance costs.

Some companies use an insurance score similar to your credit score to analyze your financial and claim risks.

If you request a quote on the website and are unable to get one, it means the system has determined that Say is not the right fit for you.

For more information as to why you were denied coverage, contact the Say Service Squad by phone.

How do you file a Say Insurance auto insurance claim?

The claims process through Say Insurance is straightforward. Plus, customer reviews of the claims center are relatively positive.

According to the website, the entire process of filing a claim through Say should take about 10 minutes.

To file a claim, gather the contact information for anyone involved in the accident. Next, add a list of any injuries and details about where and when the accident occurred.

If possible, take photos of the scene and file a police report.

You can file your claim by signing into your My Say account or by calling the company directly. The claims center is open 24-hour a day, seven days a week.

Once an adjuster is assigned to your case, they’ll call to ask about the details. Their contact information is also available to you in your My Say account.

Get an estimate from your adjuster before completing any vehicle repairs.

Once you’re satisfied with the details of your claim, your adjuster helps you through the payment process for any necessary repairs or medical costs.

According to the Say Insurance website, the claims center has a 90% customer satisfaction rate based on surveys sent to customers who filed claims in January of 2021.

However, other online reviews from Say customers are not quite as positive and sometimes cite unresponsive adjusters.

What discounts does Say Insurance offer?

According to the Say Insurance website, customers can save between $6.60 and $1,126 at the end of their term by earning auto insurance discounts.

However, not every discount through Say Insurance is available in every state where the company operates.

See more details about the specific discounts and potential rate reductions you can earn through Say Insurance in the table below.

Say Insurance Auto 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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According to the company website, you can also reduce the cost of your Say auto insurance rates by adding multiple cars to your policy. However, the possible rate reduction amount is not available.

Say Insurance also provides an accident forgiveness program to all customers.

This means the company does not increase your insurance rates after an accident that costs less than $1,000. It applies to all Say policies for free.

However, currently, there are no auto insurance bundles available through Say Insurance.

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What are the Say Insurance company ratings and reviews?

Say Insurance is owned by the Shelter General Insurance Company, so we’ll look at financial rankings and customer reviews for both companies where available.

As far as financial stability is concerned, the Shelter General Insurance Company received an A ranking from A.M. Best.

This tells you that Say Insurance can pay claims reliably even during an economic downturn, as its parent company is in a solid financial position.

Say Insurance is accredited by the Better Business Bureau and currently holds an A+ rating. However, its parent company, Shelter General, received far more negative reviews from customers online.

Specifically, Shelter General has a complaint index of 5.56, according to the National Association of Insurance Commissioners (NAIC).

This number is very high and implies the company receives almost five times as many complaints as other companies.

While it’s common for insurance companies to receive primarily negative reviews online, it does appear that the Shelter General struggles with customer satisfaction.

Fortunately, Say Insurance on its own is not rated by customers as harshly as Shelter General.

What is the history of Say Insurance?

A relative newcomer to the insurance industry, Say Insurance launched in 2016 and recently celebrated its fifth anniversary.

Technically, Say Insurance is a fully online company. However, its parent company, the Shelter General Insurance Company, is located in Columbia, Missouri.

Shelter General wanted to reach customers who wished to buy auto insurance policies entirely online. That’s why Say Insurance was created.

The Shelter Insurance Group of Companies was formed in 1946 and initially offered only auto insurance in Missouri.

Today, the companies underwrite products in 21 different states. Additional insurance products are sold through the various subsidiaries, including property and casualty products and life insurance.

Does Say Insurance offer other insurance products?

At this time, Say Insurance does not offer any insurance products other than auto insurance.

Furthermore, the company does not appear to have any plans to expand its offerings in the future.

Check out the table below to see details about what auto insurance coverage types are available through Say.

Auto Insurance Coverages Offered by Say Insurance
Insurance Type OfferedWhat It Covers
Collision insurancePays for damage to your vehicle while in motion, regardless of fault. A deductible applies.
Comprehensive insuranceCovers damage to your vehicle from non-accident-related incidents, including theft, vandalism, and weather damage. A deductible applies.
Liability insurancePays for damage to another driver if you're responsible for causing an accident.
Medical payments coverageHelps pay for 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 cover rental car costs after an accident as long as you purchase 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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Say Insurance only operates in six states, but it offers enough coverage to provide you with at least the legal minimum limits required in those locations.

However, if you do not live in a state where Say Insurance is available, you’ll have to look elsewhere for coverage.

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Say Insurance Auto Insurance: The Bottom Line

If you live in one of the six states where Say Insurance operates, it may be worth requesting a quote and comparing the coverage to your current policy.

Say provides accident forgiveness and roadside assistance services to all customers, a great benefit that typically costs extra through other insurers. Plus, for tech-savvy customers, this company operates entirely online.

However, if you’re a high-risk driver or your driving record is imperfect, this company may not be a proper fit for you.

Plus, quotes from its parent company, the Shelter General, appear to be much higher than average.

So if you do request a Say Insurance quote, be prepared to compare it to other policies to ensure it’s your cheapest option without compromising your coverage needs.

You’ve learned about ​​Say auto insurance quotes, now enter your ZIP code into our free comparison tool below to receive rates from the top companies in your region.

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