Metlife is one of the largest insurance companies in the country. It offers a wide range of coverage options and discounts.
The company also has a few features that may appeal to some drivers, like custom equipment coverage. It also offers a savings benefit to drivers who don’t make a claim for consecutive years.
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Cost
MetLife car insurance prices vary by type of driver and state. For example, a young driver who has full coverage and no speeding violation pays more than the same policy for a teen driving with minimum coverage.
However, if you have a good credit score and are a safe driver, you can get a discount from MetLife. You can also save money by bundling your MetLife auto and home policies.
Another discount available from MetLife is a good student discount, which you can earn by submitting a high school or college transcript or report card. This can help you save on your car insurance if your son or daughter is away at college for more than 100 miles from where you live.
MetLife has a good financial strength rating from AM Best and a strong reputation for paying claims. However, customer satisfaction ratings have been mixed, with consumers saying they don’t always get the help they need when filing a claim.
Coverage options
MetLife offers several auto insurance coverage options to suit a wide range of drivers’ needs. These include collision and comprehensive coverage that covers accidents, theft, vandalism and other damages.
There are also many discounts available to help save money on your policy, including ones that depend on your driving history. These include the MyJourney program that tracks your driving record to reward safe drivers with discounts and a high-risk driver discount for those who do not submit any claims for five years.
In addition, MetLife offers a number of affinity discounts to people who are members of corporate or public organizations, labor unions, credit unions and more. These can save drivers a significant amount of money on their car insurance policies.
As with all major insurers, the coverage options and prices available from MetLife can vary greatly by region and driving history. The best way to determine the right auto insurance company for you is to shop around and compare quotes.
Customer service
WalletHub gives MetLife Car Insurance Reviews a rating of 2.6/5, based on its affordable prices, nationwide availability and good customer service. It also has a very good score for its NAIC complaint index, which means it’s received fewer complaints than most auto insurers.
Despite this, there are some areas where it lags behind competitors, such as its discounts and online experience. The company’s MyDirect website is quite cumbersome and requires a lot of information, which can make it difficult to use.
Customers have also criticized the company for its surprise fees and billing issues. Its home insurance has a much higher customer satisfaction rating than its car insurance, but the difference is minimal.
While MetLife offers good coverage at reasonable rates, it doesn’t offer the wide range of discounts that other insurers do. It’s best to shop around and find a provider that has the discounts you want. You can use MoneyGeek’s comparison tool to compare MetLife with other providers in your state.
Claims process
MetLife’s reputation for offering solid coverage at reasonable rates makes it a good choice. However, the company also has some weaknesses.
The biggest drawback of MetLife’s car insurance is its mediocre customer service. Drivers who contact support for questions about their policy often have to wait a long time before they get answers, and few users would identify the customer service as a strength of MetLife.
Overall, MetLife’s financial strength ratings and customer satisfaction scores are impressive, indicating that the company can pay claims quickly and accurately. The National Association of Insurance Commissioners’ complaint index shows that MetLife receives slightly better-than-average complaints for its size in auto insurance, which is a positive sign.
If you’re a tech-savvy consumer, MetLife has a mobile app that allows you to manage your account, submit payments and file claims online. In addition, it has a large network of affinity organizations, which offer discounts to drivers who are part of them.