MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication.
Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: [email protected].
Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: Policy holders, please log in here. New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get it repaired or it will be replaced with a new car with no deduction for depreciation. 3. Major parts replacement: we'll pay to replace certain major parts—like tire, brakes and batteries-no matter what their wear-and-tear/depreciated value at the time of the accident. 4 Not available in NC.
Glass repairs without a deductible: if your windshield is chipped or cracked, we'll repair it and waive your deductible. Towing and Roadside Assistance & Labor Cost Coverage: If you have a breakdown while traveling, this option can help reimburse you for towing and other roadside-assistance expenses. Legal Defense Costs: If you're sued, we'll cover your legal fees. We'll also reimburse you for up to $200 per day for lost wages, if you attend a hearing or trial at our request. Lease/Loan Gap Coverage: Ensures that your vehicle's lease or loan is paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle.
MetLife Auto & Home. Metropolitan Direct Property and Casualty Insurance Company, Metropolitan. Should you need to repair or reconstruct your home. With our Coverage A+: • The maximum coverage equals the replacement cost at the time the repair is made. Direct Repair Program: We are a direct repair shop for many. We work well with any insurance company even if we are not a direct. USAA can assist you in selecting a repairer in the USAA's STARS 1 auto repair network.
You may continue coverage without interruption, subject to policy terms and conditions. 9 You'd be able to pay your insurance premiums through ExpressIT ® our EFT payment plan, or by credit/debit card., through bills received by mail, or, in some cases, by pension deduction.Use of credit/debit card is optional. The same insurance is available regardless of the method of payment.
Payments may be made by cash, check, or by credit/debit card except in those cases where electronic payments are required. 1See policy for restrictions. 2See policy for restrictions. Not available in NC. 3Subject to deductible and state availability. See policy for restrictions.
Does not apply to leased, substitute, or non-owned autos. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.
![Metlife auto direct repair program Metlife auto direct repair program](/uploads/1/2/5/5/125520507/646882009.jpg)
4Subject to deductible and state availability. See policy for restrictions. 5Deductible Savings BenefitSM is not available in all states. In NY, drivers must pay a state-required minimum deductible before using this benefit. 6You must be a licensed driver for at least two years. Additional restrictions apply.
Before enrolling in any driver improvement course, speak to a MetLife Auto & Home representative to be sure that course is an eligible qualifier for the discount. Discount and availability varies by state. In some states, discount not available for completion of on-line courses. 7Discounts and availability vary by state.
8Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter’s policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states. 9Subject to applicable law, individual qualification, and local availability, if you move interstate upon your termination. Not all policies are available in all states.
MetLife Auto Insurance Review As a global provider with more than 90 million customers, MetLife knows a thing or two about insurance. It has all of the standard coverage to protect you and your vehicle in the event of an accident, plus some supplemental options that are exclusive to MetLife among major providers. But fewer overall discounts means you’ll have fewer opportunities to save, and a low claims satisfaction score instills doubts about its claims process. That said, your rates will vary between companies, and given the perks that MetLife does offer, it’s absolutely worth getting a quote as you begin your search.
The Claim MetLife promises “great savings,” “quality coverage,” and “convenience” for all of its auto insurance customers. When it comes to savings, it’s true that MetLife offers discounts to help its customers lower their premiums. These discounts are primarily based on good behavior from the driver, including up to 7% in savings for completing a qualifying driver training course and up to 20% off for going five years without an accident. MetLife also offers up to 15% off for student drivers who maintain good grades in school. Overall, however, MetLife has far fewer discounts than its competitors — GEICO, for example, has nearly three times as many. That said, MetLife does provide solid coverage choices for standard protections and offers some unique supplemental options that we didn’t see with any other major providers. Unfortunately, MetLife’s “convenience” can't keep up with its coverage.
MetLife buries its claims form online, funneling customers to file over the phone or through the company’s mobile app instead. There’s nothing inherently wrong with that — we just expected a company that boasts convenience to have simpler ways to file. Plus, MetLife’s mobile app is far from user-friendly: cite a glitchy interface and frequent crashes, leading to an abysmal 1.3 star rating for its iOS version and 2.3 stars for Android. Dealing with your insurer after an accident is stressful enough; dealing with a faulty mobile app when doing so just adds another layer of inconvenience. Price Quotes differ from person to person In business since 1868 Standout features Rental car reimbursement after an accident Roadside assistance New car replacement Streamlined quote process Discounts Multi-policy discount Multi-car discount Safe driver discount Student discounts for good grades and drivers away at school Vehicle discounts for safety features like anti-lock brakes and anti-theft devices Discount for enrollment in safe driving programs J.D.
Power 2018 Insurance Shopping Study rating 828/1,000 (below industry average) J.D. Power 2017 Auto Claims Satisfaction Study rating 850/1,000 (below industry average) A.M. Best financial strength rating A ('Excellent') Moody’s rating A3 ('Good') S&P Global rating AA- ('Very strong') Unique supplemental coverage MetLife doesn’t have the most coverage options in the auto insurance industry, but it does offer some standouts. For instance, it will waive your deductible if your windshield is chipped or cracked. It’s also one of few insurers to offer GAP coverage, which pays off your car’s lease or loan if the vehicle is totaled, even if the cost to do so exceeds the actual value of the car. Additionally, MetLife pays for legal fees if you’re sued after an accident and will reimburse you up to $200 per day for lost wages if you have to go to court to resolve the incident: an exceptional add-on that we didn’t find from any other insurers.
Solid discounts While it doesn’t have as many discounts as other top companies, MetLife still offers a number of ways to keep your premium down based on your own good behavior. It has deductions for completing a driver training course and maintaining an outstanding record, with the ability to earn $50 for every accident-free year (up to $250) that can be used toward paying your deductible after a claim. Streamlined quote process MetLife offers two ways to go about the quote process: Customers can either call a company representative to customize coverage and payment options or go online through MetLife’s service portal, MyDirect. If you’re happy with the quote you’re given, your policy can be purchased and managed the same way. Possible drawbacks Mediocre customer satisfaction While MetLife has solid financial ratings, it scores well below the industry average in both.
Claims satisfaction is generally treated as an indicator of customer satisfaction, so while a low score won’t impact your coverage, it does suggest that filing a claim with MetLife could be more of a pain than it is with other insurers. Flawed mobile app MetLife’s mobile app allows you to view your policy, pay your bill, report an accident, and more. But these capabilities don’t amount to much when glitches, slow loading times, and general unreliability. While it’s nice to have a mobile option available, most MetLife customers will have to call or go online to actually access the services they need. MetLife Travelers Progressive Allstate A.M. Best financial strength rating A A A+ A+ J.D. Power 2017 Auto Claims Satisfaction Study score 850/1,000 851/1,000 853/1,000 864/1,000 Online claim filing ✔.
✔ ✔ ✔ 24/7 support ✔ ✔ ✔ ✔.Only through mobile app MetLife vs. Travelers When we evaluated, we preferred to MetLife in just about every respect. It has all of the essential coverage, plus a ton of supplemental options — including the GAP coverage we lauded with MetLife. Travelers is also a clear winner when it comes to discounts, providing a greater breadth and variety than we saw with MetLife. We recommend starting with Travelers when gathering auto insurance quotes. Progressive Deciding between MetLife and comes down to whether you want a lower price or fuller coverage.
MetLife has far more supplemental coverage options like personal injury, new car replacement, and rental car reimbursement, but Progressive has more generous discounts. Progressive is also a great choice for customers with spotty driving records, as it’s known to insure drivers that other companies won’t touch. Allstate We found MetLife and to be fairly comparable when it comes to coverage options and the number of discounts offered, but Allstate stands out for one group in particular: new drivers.
It offers a ton of discounts for younger drivers, who are typically the most expensive to insure. Its customer satisfaction scores are also significantly higher than MetLife, so it’s worth getting a quote, even if you aren’t a new driver. MetLife FAQ Does MetLife offer roadside assistance? Towing and roadside assistance is available with MetLife auto insurance plans, but you’ll have to pay extra. If you have a breakdown on the road, you pay for the services initially and file a claim to be reimbursed by MetLife later.
Do I have to take my car to a MetLife-recommended shop? MetLife provides a list of auto repair shops that it recommends, but you’re under no obligation to use them. In some states, MetLife partners with shops to guarantee that your car’s repairs will be covered, but even in these situations, you’re free to take your business elsewhere. What do I need to get a quote from MetLife? You’ll need to give MetLife a lot of personal information to get an online quote, including your first and last name, address, date of birth, vehicle information, current insurance, email address, and accident and violation history.
This is more in-depth than other companies, but it also gives you a more accurate quote. The Bottom Line MetLife is a solid insurer — it’s just not exceptional. While we’re impressed by its selection of coverage choices, including some supplemental options that aren’t offered by even our favorite auto insurers, MetLife still comes up short on discounts. And the convenience it hails as one of its distinguishing qualities is far from convenient in practice.
While it’s certainly worth getting a quote from MetLife as you begin your quote comparisons, there are likely better auto insurance options out there. Advertisement Disclosure has an advertising relationship with some of the offers included on this page.
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