Say Insurance Car Insurance Review (2024)

Say Insurance is one of the newer online-only car insurance companies out there. Although Say Insurance car insurance is only available in a few states, the company has excellent BBB and app ratings.

If you are looking for streamlined car insurance coverage, Say Insurance may be the company for you. However, be sure to compare car insurance companies before deciding. Every company will offer different rates and ratings.

Keep reading our Say Insurance car insurance review to learn more. Enter your ZIP code to compare free car insurance quotes from companies in your area.

Say Insurance Monthly Rates vs U.S. Average

What is the Say Insurance car insurance company?

Say Insurance was created by Shelter Insurance as a completely digital car insurance company. Because coverage is simplified, rates can stay low. Everything from getting a Say Insurance car insurance quote to filing a claim can be done on the website or through the app.

Although coverage is offered online, Say Insurance is only available in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

If you are a driver who needs to see an agent face to face or bundle policies, Say Insurance isn’t for you. However, if you just want car insurance and are comfortable doing everything online, Say Insurance will fit the bill and save you money.

What are Say Insurance car insurance rates?

While Say Insurance auto insurance rates aren’t readily available, we can look at how the company determines your rates.

First, Say Insurance looks at the traditional factors like your age and driving record.

Your driving record is very important because not only does it show how risky you are as a driver, but Say Insurance won’t offer you coverage if you have a bad driving record. This means high-risk drivers won’t be able to get low Say Insurance rates.

To give you an idea of just how much your driving history affects car insurance rates, this table shows the average annual rates from top companies.

Average Annual Car Insurance Rates by Driving History

Car Insurance Coverage Cost With Say Insurance

Car insurance coverage cost is a critical factor for every driver in their quest to find the most suitable insurance provider. Say Insurance offers a unique blend of coverage options tailored to individual factors, which includes personal details like your driving record and an insurance score based on timely payments.

The cost of car insurance with Say Insurance, shedding light on how the company calculates rates and factors that influence your premium.

When it comes to car insurance, cost is a significant consideration for all drivers. Say Insurance employs a distinctive approach to calculate car insurance rates. Your premium with Say Insurance is determined by a combination of your personal factors, traditional considerations like your age and driving record, and a unique insurance score.

This score, akin to a credit score, reflects your financial responsibility and payment history. In this section, we will delve into the intricacies of Say Insurance coverage cost, providing insight into how this innovative insurance provider calculates rates.

Say Insurance doesn’t openly disclose specific rate information but uses various factors to calculate your car insurance coverage cost:

• Personal Factors: These include your age, driving history, and other personal details that might influence your risk as a driver. A good driving record and a responsible payment history can lead to more favorable rates.
• Insurance Score: Much like a credit score, your insurance score assesses your ability to make timely payments and your credit history. A higher insurance score may result in lower rates.
• Length of Coverage: Say Insurance also considers the duration of your association with the company. The longer you remain with Say Insurance, the more potential for lower rates.

Understanding how Say Insurance calculates coverage cost is essential for making informed decisions about your car insurance. By considering your personal factors, insurance score, and loyalty, Say Insurance aims to provide tailored rates that align with your risk profile.

While precise rates may not be readily available, the company’s focus on these factors can result in competitive premiums for responsible and long-term policyholders. As you explore your car insurance options, keep in mind that Say Insurance offers a unique approach to coverage cost that rewards responsible and loyal drivers.

Say Insurance Car Insurance Coverage Options

Selecting the right coverage options is a pivotal decision when it comes to car insurance. Say Insurance offers a range of coverage options, and understanding what is available is essential for tailoring your policy to your specific needs. In this section, we’ll explore the coverage options provided by Say Insurance, allowing you to make informed choices that best suit your driving requirements.

Say Insurance is dedicated to providing drivers with streamlined car insurance coverage. While the company focuses solely on car insurance, it offers several key coverage options to ensure that policyholders have essential protection on the road. From roadside assistance to accident forgiveness, Say Insurance incorporates features designed to enhance your peace of mind while driving.

This section will delve into the coverage options Say Insurance has to offer, ensuring that you are well-informed when crafting your insurance policy.

• Liability Coverage: This is typically the foundation of any car insurance policy and covers bodily injury and property damage liability. It ensures you’re financially protected if you’re responsible for an accident.
• Roadside Assistance: Included in all policies, roadside assistance provides support in case of breakdowns or emergencies on the road, offering services like towing, fuel delivery, and tire changes.
• Accident Forgiveness: Say Insurance provides accident forgiveness, a feature that allows policyholders to have one at-fault accident without seeing an increase in their premium. This can be a valuable option for maintaining affordable rates after an accident.
• Rental Car Coverage: Policyholders can opt to add rental car coverage to their policies, ensuring they have access to a temporary vehicle while their own is being repaired after an accident.

It’s important to note that Say Insurance does not offer additional add-ons like GAP coverage, umbrella insurance, or coverage for luxury vehicles, classic cars, motorcycles, commercial vehicles, or racing cars. (For more information, read our “Does my car insurance cover me on a motorcycle?“).

Say Insurance’s coverage options are designed to provide essential protection for drivers, and they include features like roadside assistance and accident forgiveness. As you explore your car insurance needs, consider the coverage options that align with your driving habits and circumstances. (For more information, read our “Best Cheap Car Insurance Company that Gives Accident Forgiveness“).

Whether you’re seeking comprehensive liability coverage or the peace of mind provided by accident forgiveness, Say Insurance aims to offer streamlined and relevant choices for its policyholders. When crafting your car insurance policy, select the coverage options that best suit your requirements and ensure you have the protection you need on the road.

Uncovering Say Insurance Car Insurance Discounts

Finding ways to save on your car insurance is always a plus. Say Insurance offers a selection of discounts to help policyholders reduce their premiums and make their coverage more affordable. In this section, we’ll explore the discounts available with Say Insurance car insurance, allowing you to maximize your savings while ensuring you have the coverage you need.

When seeking car insurance, every driver appreciates the opportunity to reduce their insurance costs. Say Insurance understands this, and as a part of their commitment to providing value to their policyholders, they offer several discounts.

These discounts can make a significant difference in the affordability of your coverage. The various discounts that Say Insurance provides, helping you understand how to lower your premiums and potentially secure cost-effective car insurance.

Say Insurance offers several discounts to qualifying policyholders. These discounts include:

• Multi-Car Discount: When you insure more than one vehicle with Say Insurance, you may be eligible for a multi-car discount, which can lead to reduced premiums for all vehicles on your policy.
• Multi-Policy Discount: If you bundle your car insurance with another type of policy, such as homeowners or renters insurance, you could qualify for a multi-policy discount, providing savings on both policies.
• Good Driver Discount: Maintaining a clean driving record and being a responsible, safe driver may make you eligible for a good driver discount.
• Loyalty Discount: Staying with Say Insurance for an extended period may lead to a loyalty discount, which can result in reduced premiums over time.
• Safety Device Discount: Equipping your vehicle with safety features and devices, such as anti-theft systems, can make you eligible for a safety device discount, potentially reducing your insurance costs.
• Resident Student Discount: If you have a student on your policy who resides more than 100 miles away and doesn’t have regular access to the insured vehicle, you could qualify for a resident student discount.

It’s important to note that Say Insurance specializes in car insurance and, therefore, does not offer bundling discounts with other types of insurance.

Say Insurance’s discounts are designed to make car insurance more accessible and affordable for policyholders. By taking advantage of multi-car, multi-policy, good driver, loyalty, safety device, and resident student discounts, you can potentially reduce your premiums while maintaining essential coverage.

When selecting your Say Insurance policy, consider how these discounts align with your situation to maximize your savings and secure cost-effective car insurance.

Efficiency and Transparency: The Say Insurance Claims Handling Experience

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Say Insurance offers a hassle-free claims process that aligns with its digital-first approach. Customers can file claims conveniently through the company’s user-friendly website or mobile app. This digital accessibility makes it easy for policyholders to initiate a claim from the comfort of their own homes, simplifying what can often be a stressful experience.

Say Insurance’s commitment to online claims processing ensures that customers can report incidents and get the assistance they need without unnecessary delays.

Average Claim Processing Time

While specific claim processing times can vary depending on the complexity of the case, Say Insurance is dedicated to swift resolution. The company strives to process claims efficiently, aiming to minimize the inconvenience for policyholders.

By leveraging digital tools and resources, Say Insurance streamlines the claims process, allowing customers to receive prompt assistance during their time of need.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in assessing an insurance company’s performance, particularly when it comes to claim resolutions and payouts. Say Insurance has garnered positive reviews from its policyholders regarding the fairness and transparency of its claims handling.

The company’s commitment to providing accident forgiveness and roadside assistance as part of its policies has been well-received by customers, contributing to a positive overall experience during the claims process.

Innovative Technology at Say Insurance: Enhancing Customer Experience

Mobile App Features and Functionality

Say Insurance’s mobile app offers a range of features and functionalities designed to enhance the customer experience. Policyholders can easily manage their accounts, access important documents, and make payments through the app.

Additionally, the app provides a seamless platform for reporting accidents and filing claims, simplifying the entire process. Say Insurance’s commitment to a robust mobile app empowers customers with convenient tools at their fingertips.

Online Account Management Capabilities

The company’s online account management capabilities extend beyond the mobile app, offering policyholders comprehensive control over their insurance accounts. Through the website, customers can review policy details, update personal information, and track claim progress.

Say Insurance’s user-friendly online account management system ensures that customers can efficiently manage their policies and stay informed about their coverage.

Digital Tools and Resources

Say Insurance leverages digital tools and resources to provide valuable information and support to its customers. The company’s website offers resources such as informative articles, FAQs, and educational content, helping policyholders make informed decisions about their coverage.

Say Insurance’s commitment to digital resources underscores its dedication to transparency and customer empowerment in the insurance process.

Say Insurance Car Insurance: The Bottom Line

Although some drivers can get affordable Say Insurance car insurance, drivers who have a poor driving record or own certain types of vehicles won’t be able to get coverage. Say Insurance is also only available in six states.

However, drivers who can qualify for coverage will find roadside assistance and accident forgiveness included in their policies, as well as low rates.

Before you buy Say Insurance car insurance, shop around. Compare rates, discounts, and ratings to find the best car insurance company for you.

We hope you’ve learned all you need to know about Say Insurance. Before you go, enter your ZIP code to compare quotes from car insurance companies near you for free.