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Car Insurance Guide

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By Marc Deiter on April 24, 2020 in Insurance Basics

If you’re looking for a new auto insurance provider, we’re here to help you understand what to look for. Along the way, we hope you’ll be impressed with what Say has to offer!

Car Insurance Guide – What to Know Before Buying an Auto Insurance Policy

You want to be sure the auto insurer you choose is the perfect fit before purchasing your policy. A few key things to take into consideration are coverage options, potential discounts, and trust signals. Coverages should be personal. It is important to select coverages that are relevant to your specific situation and to choose limits based on your needs. The same can be said about discounts, while sometimes you have to be eligible for them – others can be obtained by continually having insurance coverage or by paying your bill in full instead of in monthly installments. Trust signals can range from getting positive customer ratings to having ties to other successful companies. Say Insurance, for example, is backed by Shelter Insurance®. With 75 years of insurance knowledge, you can trust we are here for you.

Learn about the Right Coverage Options for You

Usually, coverage options are available for everyone! It can be overwhelming, but it’s important to find your insurance “glass slipper.”

The main coverage options you will hear thrown around are Auto Collision, Comprehensive, Liability Car Insurance, Medical Payment, Uninsured Motorist, and Uninsured Motorist Property Damage. So, let’s break them down and chat about why you would choose each or multiple of these!

Auto Collision and Comprehensive are popular coverages that either help you pay for damages to your vehicle after a covered accident or after a covered non-accident-related incident such as theft or hail, respectively. Med Pay coverage, not to be confused with health insurance, is an optional coverage that helps take care of you and your passengers’ medical bills that may result from a covered accident – regardless of who is at fault. Uninsured Motorist and Uninsured Motorist Property Damage are increasingly necessary coverages. Scary as it may seem, there are quite a few uninsured drivers on the road according to the Insurance Information Institute. These two coverage options help protect you if you’re in an accident with a driver who doesn’t have insurance. Two Say states, Illinois and Missouri, require you to have Uninsured Motorist coverage so if you call one of those states home, you are automatically covered!

Some lesser-known coverages, that can be just as important are listed below. Check them out to see if your situation applies!

If you have a new car or are planning on purchasing a new one, you want to make sure your insurer has New Car Replacement coverage.

A special complimentary service offered by Say is Roadside Assistance! If you need a tow or find yourself with a dead battery, we will send someone to help, subject to terms of the policy.

Perhaps you’re a big travel buff and renting a car is commonplace, Rental Reimbursement coverage might just be your cup of tea.

Say Insurance® has all of our coverage options and limits listed on our website. Plus, if you have additional questions every member of our Say Service Squad is trained to help you find what you need, so give them a call at 1-800-225-5729.

Review Discounts Options by Provider

Discounts can vary from advance purchase to anti-theft. Some companies offer options if you continually have insurance, take a defensive driving course, pay-in-full, or choose to go paperless! Some providers, including Say, love to pass the savings to customers for paying in full and strictly receiving e-documents.

Check Out the Policy Benefits

Policy benefits are BIG. They can be just as important as a good rate because doesn’t everyone love a perk or two? At Say, our roadside assistance is included in every policy and is available 24/7 need to include subject to limits info. here. Digital perks are also important to our customers. With digital proof of insurance, you don’t have to worry about shuffling through the pile of random papers you keep stashed in your glove compartment. We’ve all been in that stressful situation, so why not avoid it altogether? Our customers have access to their digital insurance card and policy information anytime, anywhere through our customer portal. Through this account, customers can make or change payments, file claims, and review policy info!

Trust Signals

This almost goes without saying, but trust is a huge part of insurance. You want to feel confident that the company you choose will be there for you when you need them. Say Insurance® is backed by Shelter Insurance® and their award-winning customer service. They’ve helped us build and train our Say Service Squad to be equipped to handle all insurance situations via email, or phone! Lastly, it’s important to look for real reviews that prove happy customers are out there and want to share their experiences with you!


The key takeaway here is that Say Insurance® has multiple coverage and discounts options specific to your needs! The perks and trust signals radiate from our online-first model and we’d love to welcome you to the family If you’re in the market for a new insurer.

Learn more about Coverage and Discount options from Say Insurance®!

Marc Deiter is the Director of Say Insurance and is responsible for directing and managing the operations of Say Insurance. He has a Master’s in Business Administration from Washington University in St. Louis and a Bachelor of Finance from Missouri State University. He has over 15 years of experience in the P&C insurance industry and additional experience in leading the creation of web-based channels and properties.