MetLife Auto Insurance Review 2019

About MetLife

MetLife had its original start in 1863 in New York City as the National Union Life and Limb Insurance Co., which sold insurance to Civil War soldiers for disabilities related to the war.

MetLife is now a giant financial services company that offers insurance, annuities, asset management and employee benefits. It’s well-known for MetLife life insurance and also offers home and auto insurance, plus a large array of other insurance types for individuals such as dental insurance, disability insurance, and accident and health insurance.

Does MetLife Auto have what you want?

Are you looking for special features in a car insurance policy? Here’s an overview of whether MetLife offers certain options in addition to the basic coverage types.

SR-22 filings

Proof of financial responsibility.

Yes
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what’s still owed on a car loan or lease.
Yes
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Yes, called My Journey.
Non-owner insurance

Liability insurance for people who don’t own vehicles but who want liability insurance for borrowed and rented cars.

Yes
Rideshare insurance

Extra coverage for Uber drivers and others.

Yes
Source: State insurance filings. Options might not be available in all states or from all MetLife subsidiaries.

Also offered by MetLife

New car replacement: If your brand new auto is a total loss within the first year or 15,000 miles (whichever occurred first), MetLife will repair or replace it with a new vehicle and take no deduction for depreciation.

Deductible savings benefits/diminishing deductible: For each year you don’t make a claim you can get a deductible savings up to $250. Then if you have a collision or comprehensive insurance claim, the “deductible savings” reduces your deductible amount.

Complaints about MetLife auto insurance

Each state's insurance department takes complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and creates a complaint ratio. The ratio is meant to show the number of complaints relative to a company's size of business.

Here’s a look at complaints against some of MetLife’s auto insurance subsidiaries.


MetLife auto insurance discounts

EverQuote examined MetLife’s insurance filings to uncover the discounts it offers. All insurers must file their policies and rates with the insurance department in each state where they operate. Note that the discounts below may not be available in all states.

MetRewards
MetRewards discounts are available when drivers and their households have no accidents, moving violations or certain types of comprehensive insurance claims in the last three, five or seven years.

Safety device discount
For having air bags or anti-lock brakes.

Defensive driver discount
For drivers age 55 and older who have completed a car accident-prevention class within the last 36 months.

Driver improvement course discount
For drivers who have been licensed two or more years and who complete a driver-improvement course that’s approved by MetLife. The discount lasts for three years, and you can take the course again to qualify for another discount period.

Driver training discount
For beginning drivers who take a driver training course.

Anti-theft device discount
For customers who have an active or passive disabling device, or a recovery device such as LoJack.

Resident student discount
For households with a driver under age 25 who lives at school more than 100 miles away from home, without a car.

Good student discount
For high school and college students under age 25 who have at least a B average, or rank in the top 20% of their class, or have at least a 3.0 GPA, or meet other academic requirements.

Auto policy plus discount
For customers who have MetLife auto and homeowners insurance policies. It’s also available of you have a MetLife auto policy plus an individual MetLife policy for life insurance, disability insurance, an annuity, a long-term care policy or other type of coverage.

ExpressIT discount
For customers who have their payments automatically deducted from their bank accounts.

Homeownership discount
For people who own and live in a house, condo or townhouse.

Preferred employer discount
For people employed by certain companies and who buy their policy through MetLife’s call center or website. The list of preferred employers varies by state.

MetLife auto insurance surcharges
We also looked at MetLife’s state insurance filings to find potential extra charges. Note that these can vary by state.

Performance vehicle surcharge
For certain types of vehicles, such as vehicles that go from 0 to 60 mph in less than six seconds. In our review of MetLife’s state insurance filings, we found this surcharge applies to certain vehicles from Aston Martin, Bentley, Chevrolet, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Mazda, Merkur and Porsche.

Excluded driver surcharge
If you’re excluding a certain driver from coverage with an “excluded driver endorsement.”

Unverifiable motor vehicle record
If there’s no reported driving history within the last three years. This includes people who have an international driver’s license.

Companies within MetLife Inc.

Many insurance companies have multiple subsidiaries. Here are companies within MetLife:

For property/casualty insurance:
Metropolitan P&C Insurance Co.
Metropolitan Group P&C Insurance Co.
Economy Fire & Casualty Co.
Metropolitan Casualty Insurance Co.
Metropolitan Direct P&C Insurance Co
Economy Premier Assurance Co.
Metropolitan General Insurance Co.
Economy Preferred Insurance Co
Met Lloyds Insurance Co. of Texas

For life insurance:
Metropolitan Life Insurance Co.
Metropolitan Tower Life Insurance Co.
Delaware American Life Insurance Co.
American Life Insurance Co. (DE)

For health insurance:
SafeHealth Life Insurance Co.
SafeGuard Health Plans Inc. (TX)
SafeGuard Health Plans Inc. (FL)
SafeGuard Health Plans Inc. (CA)
MetLife Health Plans Inc.

Insurance filings source: S&P Global Market Intelligence

MetLife contact information

Headquarters:
200 Park Avenue
New York, NY 10166
Website
Auto and home insurance claims service: 800-854-6011 or file a claim through the MetLife mobile app.

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