Say auto insurance review: Insurance scores and many discounts

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For those seeking unique or substantial discounts, it may be advisable to search for coverage elsewhere. When searching for auto insurance, it is recommended to consider the basic minimum coverage required by the state and select a good insurance provider in those states, as suggested by Editors’ Choice.

Availability	Available in CO, IL, IN, KS, MO, TN
J.D. Power customer satisfaction ratings	Not available
Number of complaints in 2021	Not available
How to get an insurance quote	Online or over the phone
How to submit a claim	Online, over the phone or in the mobile app

Pros

Shares insurance ratings with policyholders to offer a clearer understanding of how car insurance premiums are computed.

Roadside aid is included in all policies.

Offers loyalty benefits to policyholders upon renewal.

Cons

Only accessible in six states — Colorado, Illinois, Indiana, Kansas, Missouri, Tennessee.

Limited discounts.

Provides solely fundamental coverage choices.

Does not provide coverage for high-risk drivers who require SR-22

What you need to know about Say auto insurance

Say Insurance®, an online-only subsidiary of Shelter Insurance, is a company that provides coverage for most SUVs and trucks, but does not insure classic motorcycles or certain commercial luxury cars that have been modified for racing. They offer auto insurance to residents in six states including Tennessee, Missouri, Kansas, Indiana, Illinois, and Colorado. Say Insurance® was founded in 2016.

Say solely offers auto insurance, hence if you want to merge different types of coverage, you may need to explore alternative choices.

Provides insurance scores to policyholders

Insurance companies generally do not provide this information to applicants unless requested. Policyholders with higher credit scores generally qualify for lower rates if all other requirements are the same. Insurers utilize credit-based insurance scores as one of the rating factors to anticipate the likelihood of you filing a claim.

Insurance companies often communicate with policyholders to help them understand how their insurance scores may impact both their credit scores and their financial situation.

Policyholders can qualify for customer loyalty discounts at renewal

The insurance company uses it to determine your premium for the next six months, and when a policy is up for renewal, the company adds 50 points to create an insurance score. Say the insurance score is used. Every six months, policies are renewed.

On average, premiums save consumers 4% of their score, while the company adds 50 points for each policy renewal. According to research, you could potentially save even more and increase your score. For instance, renewing your policy can add 100 points to your insurance score, giving you a score of 850. However, if your insurance score is 750, it will still add 100 points.

Offers only basic auto insurance coverages

Say provides a range of coverage options, which encompass liability and property damage coverage, medical payments, rental car reimbursement, and roadside assistance. However, if you require specialty coverage policies like gap, classic car, or custom equipment, you may have to collaborate with a different insurance company.

Auto coverage offered by Say

While other insurance firms may provide less frequent forms of coverage, Say offers standard coverage options. For example, Say provides a range of coverage options.

Liability.

Collision.

Comprehensive.

Medical payments.

If an incident occurs where your qualifying vehicle is totaled and your policy includes comprehensive or collision coverage, you will be reimbursed for the actual cash value of your vehicle, rather than the cost of replacing it, with coverage for a new replacement car.

Compensation for renting a

Liability for motorists without

Property damage caused by an uninsured

Roadside support – Say includes round-the-clock roadside assistance in all policies at no additional expense.

Common question: How is your insurance score calculated?

This is the same data used to calculate traditional credit scores, but insurance companies cannot deny coverage solely based on your affect score. However, your affect score can affect your insurance score, which is calculated using differently weighted credit scores.

Common question: How do I get a quote for Say?

If you reside in a state where Say offers coverage, you have the option to obtain a quote for their auto insurance either through their official website or by contacting one of their representatives.

Auto insurance discounts offered by Say

Say offers a few basic discounts, but they are missing some common options such as safe driver and good student discounts. Other insurers provide fewer opportunities to save.

Multicar.

Make the complete payment

Continuous insurance.

Early purchase — Save when you purchase coverage at least seven days prior to the start date of your Say insurance policy.

(Note that this reduction is not accessible in Missouri.) A defensive driving course – This offer is open to drivers who successfully finish an authorized defensive driving class.

Paperless.

Not sure if Say auto insurance is right for you? Consider these alternatives

General Auto Insurance may be an ideal company for high-risk drivers who need to file an SR-22 form with the state.

Allstate: This insurance provider may be a suitable option if you are looking to combine your home and car insurance.

Jennifer Brozic, the author, is a freelance writer specializing in financial services. She holds a bachelor’s degree in journalism from the University of Maryland, as well as a master’s degree in communication management from Towson University.