MetLife Car Insurance Review

The MetLife Insurance Company, in addition to the house, auto, and other forms of property and liability insurance, offers a wide range of insurance products. Dental, vision, and life insurance are also available via MetLife, as are business insurance products. The New York-based insurer has a lengthy history in the insurance industry, having been founded in 1868. MetLife car insurance coverage options and discounts can help you decide if it is the best insurance provider for you, so let’s take a deeper look.

MetLife Insurance Review for 2021

MetLife Car Insurance Review - MetLife Logo
  • JD Power Rating —The standard deviation is too high. According to JD Power, MetLife’s total customer and claim satisfaction was below average.
  • Financial strength — Excellent. AM Best, the rating shows how well MetLife will be able to pay out on claims. It’s “A” rating is a testament to its sound financial standing.
  • NAIC Rating — The standard deviation is too high. The National Association of Insurance Commissioners (NAIC) received a greater number of complaints regarding MetLife in 2019 than it normally does.

MetLife car insurance coverage options

MetLife offers comprehensive, collision, and liability coverage, as well as uninsured and underinsured motorist, PIP, and rental car coverage, as standard auto insurance policies provide. In the table below, you’ll find pricing examples for different types of drivers, as well as details on MetLife auto insurance policy extras and choices. If you’re in a state where some of these options aren’t available, please be aware. Consult your MetLife representative before purchasing insurance.

New car replacement

MetLife will repair or replace your brand-new car if it is totaled within the first year of ownership or 15,000 miles (whichever comes first). Cars rented for longer than six months, as well as vehicles not owned, are exempt from this rule.

Special parts replacement coverage

When an insured loss occurs, MetLife will replace certain automobile parts. Tires, batteries, braking components, steering, and electrical wiring are all included, however, if any of these items are stolen, the policy does not apply. MetLife will take care of the replacement costs without factoring in the accumulated depreciation.

Enhanced rental car damage coverage

If your rental car is damaged as a consequence of a covered loss, you’ll have extra protection. When renting a car, MetLife will negotiate with the rental agency to minimize any additional expenses like fines and charges, decreased market value, or loss of usage due to damage.

Glass repairs without a deductible

Auto glass damage is something that can happen to the best of us. In the event that your windshield is damaged or shattered, MetLife will pay to have it repaired while waiving your deductible.

Roadside assistance service and towing reimbursement

Roadside assistance and towing costs are covered by MetLife if your automobile breaks down on the highway.

Gap coverage for leases or loans

MetLife will pay off your car if it is totaled in an accident even if the remaining debt on your lease or loan exceeds the value of the vehicle.

Legal defense cost coverage

If you are sued, MetLife will cover your legal fees and repay you up to $200 per day in lost wages.

MetLife insurance discounts and reward programs

Look for savings when purchasing vehicle insurance, and MetLife offers a variety of options to help you save money on your monthly premiums. Once more, keep in mind that they might vary based on where you are.

Deductible savings benefit

Earnings of up to $250 can be put to your deductible if you go one year without making a claim and earn $50 each year thereafter.

Multi-policy discount

Purchasing a variety of insurance policies from the same company might save you money on premiums. There is a 10 percent discount offered by MetLife when purchasing various types of insurance, such as vehicles and houses or life.

Multi-car discount

If you ensure more than two vehicles with the same company, you’ll pay less. Get in touch with a MetLife agent for further information.

Good student discount

If you’re looking for new car insurance, your scholastic achievements may entitle you to certain savings. To be eligible for a MetLife good student discount, students must be under the age of 25 and enrolled full-time in an accredited high school, community college, four-year institution, graduate school, or a vocational or technical program.

Student away discount

These discounts may be available to students under 25 provided they meet certain criteria set by MetLife, including living at least 100 miles away from home and having limited use of the covered vehicle. Saving money on insurance is a smart move if you don’t drive much but want the peace of mind that comes with knowing you’re covered if you do.

Superior driver discount

MetLife offers a discount to drivers with an outstanding driving record.

Defensive driver discount

A three-year discount may be available if you have held your license for at least two years and have successfully completed a MetLife-approved defensive driving course. Taking this course will help you become a more cautious and safe driver since it teaches and reinforces safe driving habits and techniques. It’s possible to take this course entirely over the internet.

Safety and anti-theft devices discount

If you install a qualifying safety system or anti-theft device, such as passive or active disabling devices, MetLife may reward you with a reduction in your vehicle insurance coverage.

My Journey® program

MetLife’s telematics service, My Journey®, is only accessible in a handful of states right now. By registering and installing the mobile app, you’ll be able to keep track of your travels, examine your driving habits, and get an overall driving grade. By enrolling, you may save up to 10% on your car insurance, and that savings can rise to 30% if you have a good driving record when it’s time to renew. The offer is only available for a limited time (six months), but you’ll still save money on your insurance cost.

Is MetLife the best insurance company for you?

MetLife will be able to provide you with the vehicle insurance you require. Insurance options, features, and discounts given by the firm rival those of rivals, so you can rest assured that if an accident occurs, you will be well taken care of. In the event that you are involved in a minor accident, some MetLife auto insurance features, such as no-deductible special component replacement and glass repairs, may be quite useful.

In the event, you need to get new car insurance, shop for the best offer possible. A range of factors, including age, location, driving history, and credit score, are taken into account by insurance providers when determining your rate. As a result, premiums might be considerably different among insurers. Insuring your circumstances and vehicles requires you to pick an insurance policy that fits your budget while also providing the level of protection you need.

For additional insurance review, check out our review of Foremost Car Insurance Review.