Is Say Auto Insurance Good?

Last Updated on January 6, 2026

If you’re researching Say Auto Insurance, here’s the most important update: the Say Insurance brand is closed and no longer sells new policies. If you already have (or recently had) a Say policy, you can still get help with claims, documents, and customer service through the contact options listed below.

This guide explains what Say Insurance was, what typical Say auto policies included, what to do if you’re a current customer, and how to shop for a replacement policy if you need new coverage.

Quick Answer: Is Say Auto Insurance Good?

Because Say Insurance is no longer selling new policies, the better question today is: “What should I do if I have a Say policy?” or “What’s a good alternative if I want similar coverage?”

• You can’t buy a new Say policy. Say Insurance has shut down as a sales brand.
• If you’re an existing customer, you can still request service help, documents, and claim support (see the contact section at the end of this article).
• If you’re shopping for a new policy, compare quotes from multiple insurers and match the same limits/deductibles so the comparison is apples-to-apples.

Say Auto Insurance Overview

Say Insurance was a digital-first auto insurance brand connected to Shelter. It originally aimed to make buying car insurance easier online and to be more transparent about pricing than many other insurance companies.

If you’ve seen older reviews, remember that they may reflect the experience when Say was actively selling policies. For shoppers today, the key takeaway is that you’ll need to look elsewhere for a new policy—often starting with Shelter, since Say was associated with them. If you want a deeper dive into Shelter as an insurer, see our guide on Shelter Insurance.

What Coverage Did Say Policies Typically Offer?

When Say policies were available, coverage options generally looked similar to what most major auto insurers offer. Here are the core coverages and common add-ons you’ll want to understand—whether you’re reviewing an existing Say policy or shopping for a replacement:

• Liability coverage: Pays for injuries and property damage you cause to others (and is required in nearly every state).
• Collision coverage: Helps pay to repair or replace your car after a crash, regardless of who was at fault (subject to your deductible).
• Comprehensive coverage: Helps cover non-collision damage like theft, vandalism, hail, falling objects, and animal impacts (also subject to your deductible).
• Medical payments (MedPay): Helps pay medical bills for you and your passengers after an accident, regardless of fault (availability varies by state).
• Uninsured/underinsured motorist: Helps protect you if you’re hit by a driver with no insurance or not enough insurance.
• New car replacement: If your newer vehicle is totaled or stolen, this type of coverage may help you replace it with a similar new model (rules vary by insurer and vehicle age).
• Rental reimbursement: Helps pay for a rental car while your vehicle is in the shop for a covered claim.
• Roadside assistance: Can help cover services like towing, jump starts, lockouts, and flat tire changes (limits and service rules vary).

What Say typically didn’t offer: Some coverages are harder to find with certain insurers. For example, gap insurance (to cover the difference between your loan balance and your car’s value) often isn’t available from every carrier—so if you need it, you may need to shop specifically for it (or ask your lender/dealer about alternatives).

How Rates Were Priced: “Insurance Scores” and Other Factors

Auto insurance pricing is highly individualized. One reason people were interested in Say was its emphasis on transparency—especially around the “insurance score” concept used in many states.

An insurance score (often credit-based) uses parts of your credit history and other data to help predict risk. In many states, your credit history can affect car insurance pricing, which is why questions like whether your credit score affects your car insurance rates come up so often.

Even beyond credit-based factors, insurers typically price policies using details like:

• The type of vehicle you drive (repair costs, safety tech, theft risk, and replacement value all matter)
• Your driving history (tickets, accidents, claims, and lapses in coverage can raise rates)
• Your age (and in some cases, your driving experience)
• Your ZIP code (traffic density, claim frequency, theft rates, and weather patterns can all play a role)

If you’re replacing a Say policy, keep in mind that even small changes—like a new address, a different vehicle trim, a new driver in the household, or a different deductible—can change your quote dramatically.

Customer Service and Claims

Say’s original appeal was convenience: online quoting, a modern site experience, and self-service tools for policy management. But with the Say brand closed, most shoppers won’t interact with it as a “new customer” anymore.

If you’re currently dealing with a claim, need proof of insurance, or need policy documents related to a Say policy, use the official contact options provided below. If you’re shopping for a new policy, you’ll typically want to start with Shelter or compare multiple insurers to see who offers the best price for the coverage you need.

Financial Strength: What to Know About Shelter

Because Say was tied to Shelter, many people also look at Shelter’s financial strength when evaluating the overall “backing” behind old Say policies. Financial strength ratings are one way to evaluate an insurer’s ability to pay claims. If you want to learn how these ratings work, see our guide to AM Best ratings.

As with any insurer, financial strength is only one piece of the puzzle. You’ll still want to review coverage options, claims process, discounts, and the total premium—not just the monthly payment.

Discounts to Look For When You Shop

Discount availability varies by insurer and state, and not every discount will stack. Still, it’s worth asking about common savings opportunities. Here’s a good starting point: car insurance discounts that many drivers qualify for.

• Advance purchase: Buying a policy before your current coverage expires may lower your rate with some companies.
• Anti-theft device discount: You may get a discount if your car has qualifying theft-prevention equipment.
• Continuous insurance: Many insurers reward drivers who keep coverage active with no lapses.
• Defensive driving course discount: An approved course may earn a discount (and in some states can help with points/tickets).
• Paperless billing discount: Opting into online documents and billing may reduce your bill.
• Pay-in-full discount: Paying the full term upfront can reduce fees and sometimes earns a discount.

Pros and Cons of Say Insurance (Based on What It Was)

Pros

• Designed to be simple and digital-first, which many drivers prefer for quotes, payments, and basic policy tasks.
• Emphasized transparency around how auto insurance pricing works.
• Backed by an established insurance group (Shelter), rather than being a brand-new carrier with no track record.

Cons

• Not available for new customers: the Say brand is closed, so you can’t start a new policy today.
• Coverage add-ons can vary, and some drivers may need options (like gap insurance) that aren’t offered by every insurer.
• Even if you like the brand concept, the “best” insurer still comes down to your personal rating factors, coverage needs, and price.

How to Replace a Say Policy (or Find an Alternative)

If you need a new policy, start by gathering your current coverages (limits, deductibles, drivers, vehicles, and optional add-ons) and then:

• Get a quote through Shelter’s website and/or an agent, since Shelter is the brand still actively selling policies.
• Compare quotes with at least 2–3 additional insurers, using the same coverages and deductibles.
• Choose the policy that gives you the best overall value (coverage + claims experience + price), not just the lowest monthly payment.

FAQs on Say Auto Insurance

Say Insurance Contact Information (For Current Customers)

If you have an existing Say policy (or need documentation related to a prior Say policy), these are the commonly provided contact options:

• Customer service / claims / documents: ask@sayinsurance.com
• Claim documents email: ClaimsDocuments@ShelterInsurance.com (include your claim number in the subject line)
• Shelter main phone line: 1-800-743-5837 (1-800-SHELTER)

Tip: If you’re not sure which company name is on your paperwork, check your declarations page (“dec page”)—it usually lists the underwriting company and the best phone number to call.