The best cheap car insurance from Metlife offers a number of standard coverages. The basic auto insurance coverages of Metlife include:
Liability protection – pays for the claims in case there is a personal injury or property damage caused by an accident for your fault
Collision and comprehensive coverage – pays for damages sustained by your car in an accident irrespective of whose fault it was. Also covers damages caused by theft, vandalism, flood, fire or hail.
Personal injury protection – Pays for medical expenses and funeral services for the policy holder, his family members or the passengers in case an accident happens.
Uninsured motorist coverage – pays for the injuries and damages caused by an accident which happened due to the fault of an uninsured or drives and runs motorist.
- Underinsured motorist coverage – pays for the damages in case you are injured by someone whose insurance policy fails to cover the entire expenses of the treatment
As already mentioned earlier, premium values of r Metlife car insurance policies are comparatively expensive. With an estimated monthly premium value of $217, the car insurance premiums for this insurer are about $80 to $99 more than the national average. Likewise, with $1303, the estimated 6-month lump sum amount for Metlife is also about $400 more than the national average that is being charged by the other insurance companies in the auto insurance segment.
It is due to these high insurance premiums that Metlife car insurance gets 3 out of 5 when measured on affordability ratings.
With just five discounts on their car insurance policies, Metlife is not at par with the industry standard which is about 8-9 discounts. The discounts made available by Metlife are as follows.
Discount for completing defensive drivers courses
Discount for being a good student
Discount for having multi-line policies with the company
No claims discounts
Discount for maintaining a safe driving record
With a customer satisfaction rating of 4.1 out of 5, Metlife car insurance is certainly one of the better auto insurers in terms of customer service and customer satisfaction. The overall rating of the customer satisfaction is being derived basis certain input parameters.
Survey Review Data
Being a subsidiary of the Metropolitan Group, Metlife has assets worth $474.9 billion which is way above the national average of $102.5 billion among the other large insurance providers. The overall financial stability rating of Metlife is 4.1 out of 5, which makes it a good company to buy your insurance from.
Offers wide range of coverage options
Offers a number of insurance options that can be bundled with auto insurance
Good customer service
Easy claim filing process
Has MyDirect – the completely digital and self-service feature that lets customers get quotes, purchase and manage their policies online
Highly expensive premiums
- Increased number of customer complaints in the last few years
Metropolitan Life Insurance Company,