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Say Car Insurance Review

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Based in Columbia, Missouri, Say car insurance offers a digital quote and approval process backed by the Shelter General Insurance Company. The company currently does business in five states, but is expanding to others.
 
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How is Say rated?

Breakdown

3.5/5
Coverage
3.5/5
Financial Strength
3.5/5
Supplemental Coverage
3.5/5
Pricing & Discounts
3.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 3.4 / 5 (Very good)

Say is a good choice for car insurance for customers living in Colorado, Illinois, Missouri, Tennessee, and Kansas. The company features solid coverage and discount options, as well as a quick online quote process. Say offers car insurance educational tools, and supplies clients with their insurance score for free.

Say Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Roadside Assistance

Coverage - 3.5 / 5

Say provides all the standard coverages to be expected from a car insurance company. These include liability, medical payments, rental reimbursement, roadside assistance, and uninsured motorist. Additionally, Say also has new car replacement for when a car is totaled or stolen, and uninsured motorist property damage. One perk to Say's website is the ability for customers to search for insurance by coverage, state, or car type.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.02
NAIC Total Complaints 2020
1

Customer Ratings

BBB Rating
A+
Date Collected
2019-04-24
*The NAIC Car Insurance complaint ratio (in this case 1.02) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3.5 / 5

It is difficult to measure Say's reputation for customer satisfaction, as the company does not have much in the way of online reviews. However, Say is a subsidiary of Shelter General Insurance, a company with more than 70 years experience writing insurance policies. Shelter has an A+ with the BBB. What's more, the company has a 1.02 complaint ratio with the NAIC. Although this is higher than the national average, it is only based on 1 complaint.

Financial Strength

Key Details

Underwriter
Shelter General Insurance Company
AM Best Financial Rating
A

Financial Strength - 3.5 / 5

Although Say is a relative newcomer in the car insuance world, it is underwritten by Shelter General Insurance Company. Founded in 1946, Shelter offers life, home, and auto insurance to 17 states. The company has been rated "A" by AM Best, indicating excellent financial strength, creditworthiness, and claims paying ability.
*The above information reflects the financial strength of the underwriter of the Say car insurance policies: Shelter General Insurance Company.

Pricing & Discounts

Discounts

  • Anti-Theft

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 3.5 / 5

Say offers several discounts that customers can apply to their policies. In addition to discounts for anti-theft devices and policy paid in full, Say also offers discounts for advance purchase, continuous insurance, driving courses, and receiving paperless bills. Say's quote time is also faster than most. Customers need only need to supply their name, email address, physical address, and vehicle information.

Contact & Additional Information

Homepage URL
https://sayinsurance.com
Company Phone
(800) 225-5729
Headquarters Address
1817 W. Broadway, Columbia, MO, 65218
Year Founded
1946

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