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.

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.

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.

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.