Metlife

Car Insurance
Metlife aka Metropolitan Life Insurance Company is an insurance company that provides auto insurance in almost all the states of the country.
4.1
out of 599 user reviews

Insurance Coverage

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

Coverage Options

Metlife is just like the other insurers of the country who offer car insurances with standard coverages like bodily injury liabilities, personal injury protections, medical payments, uninsured motorist coverages, collision and comprehensive coverages, and property damage liabilities. In addition to these standard coverages, Metlife car insurance also offers the following coverages which make them earn some extra points in this Metlife car insurance review.

  • Rental car coverage – This will cover the payments made to the rental car company if an accident happens while driving a rental car

  • New Car replacement – This pays for the repair or replacement of a new car in case it gets totaled within the first year after purchase or within the first 15,000 miles

  • Special parts replacements – This pays for certain special parts of the car like the batteries, brakes or tires in case of an accident without considering the depreciated value of the parts

  • Glass repairs without deductibles

  • Roadside assistance with towing/labor cost coverage

  • Legal defense costs – pays for the legal fees in case you are sued

  • Lease/loan gap coverage – pays the remaining lease of loan in case the vehicle gets totaled due to an accident

Affordability

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

Customer Satisfaction

Customer Satisfaction Rating: 
4.1
out of 599 user reviews

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

Financial Stability

Financial Stability Rating: 
4.0
out of 599 user reviews

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.

Pros

  • 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

Cons

  • Highly expensive premiums

  • Increased number of customer complaints in the last few years

Contact Info

Website: 
https://www.metlife.com
General Phone Number: 
1-800-422-4272
Customer Service Phone: 
1-800-438-6381

Metropolitan Life Insurance Company,

New York,

NY 10166

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