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MetLife Review

MetLife auto insurance offers great quote and buying tools and hassle-free policy management. Claims processes are smooth but the limited discounts and incomplete mobile tools may not appeal to all drivers. Get Quotes

Fletcher Wilson

Fletcher Wilson

Auto Insurance Expert

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Updated: March 19, 2014

The Good

Excellent online quote and buying tools:

Shopping around for the best auto insurance company usually starts with getting quotes. MetLife has made that process extremely simple with an online quote tool that is more intuitive and easier to use than most competing products. The tool takes you through interactive screens that let you select your vehicles, drivers, and coverage levels, and even search for membership or employment discounts to get the best quote up front. Once you've designed your policy, you can easily buy it online, print insurance cards, and begin coverage right away.

Strong policy management options:

Insurance policies often require periodic maintenance as life events change insurance needs. MetLife auto insurance offers diverse policy management tools that allow customers to add new drivers, change vehicles, and modify their coverage all from a convenient online dashboard. This gives customers a high level of control over their policies and allows their insurance coverage to meet their changing needs quickly and easily. This feature could be very beneficial to a multi-driver family or anyone whose insurance needs change often.

Hassle-free claims management:

MetLife auto insurance has a very solid claims management process that focuses on getting customers back on the road as quickly and painlessly as possible. With the company's Choice program, you can choose where you want to have your vehicle repaired without any restrictions or out-of-network penalties. The company also provides a network of recommended facilities within their CARE program that they have established relationships with. These CARE facilities also offer a concierge service so your rental car will be waiting for you when you when you arrive.

The Bad

Difficult learning materials:

MetLife auto insurance has a suite of standard online resources but detailed learning materials are difficult to find. The company has a very basic FAQ page in the auto insurance section but it's focused only on the claims process and uninsured motorist coverage. In order to access more detailed information on insurance products, customers have to navigate away from the insurance page to a special "Life Advice" section of the website. MetLife car insurance doesn't offer the integrated glossary or knowledge base resources that many of their competitors feature as part of the insurance buying process. Not integrating these materials as part of the auto insurance pages makes MetLife's learning materials dramatically less usable and puts the company behind much of their competition.

Limited driver discounts:

Many buyers consider discount options to be one of the most critical features when comparing auto insurance companies. That could be a problem for MetLife auto insurance because there are fewer discounts offered compared to many competitors. The company does advertise some standard discounts, but they don't seem to offer reduced rates to members of the military and don't reward customers with dedicated loyalty discounts. MetLife auto insurance also lags behind the competition by failing to offer accident forgiveness or access to lower rates through driver habit monitoring.

Lackluster mobile capabilities:

Not all mobile tools are created equal and MetLife's attempt at a mobile app is evidence of that. The company does offer iPhone and Android apps with limited features but users have given the apps very negative reviews. The apps do not allow users to get auto insurance quotes or make changes to policy details nor can you email or print ID cards as you can with some competing products. IPad users should also note that MetLife does not offer a tablet version of the app.

The Details

Financial Strength
A.M. Best FSR Rating NR
A.M. Best ICR Rating a-
Moody's Rating A3
Standard & Poor's Rating A-

Features

Driver Discounts

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  • Defensive Driver Discount - You can get a discounted rate if you complete a defensive driving course.
  • Discount Finder - The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.
  • Family Discount - Direct family members of current policy holders get a low rate.
  • Good Driver Discount - You can get a discount for having a clean driving record.
  • Good Student Discount - Students that maintain a good GPA can get a policy discount.
  • Low Mileage Discount - You can get a discount for driving low mileage each year.
  • Multiple Policy Discount - You can get a discount for having multiple insurance policies with the same company.
  • Multiple Vehicle Discount - You can get a discount if you insure multiple vehicles.
  • Organization Discount - You can get a discount to if you are affiliated with certain organizations or partner companies.
  • Prepay Discount - You can get a discount if you pay your premiums in advance.
  • Accident Forgiveness - Your rates do not automatically increase after an accident.
  • Driving Habits Discount - You can get a discounted rate if you place a device in your car that measures your driving habits.
  • Loyalty Discount - You can get a discount if you remain with the company over an extended period of time.
  • Military Discount - You can get a discount if you are a member of the military.

Payment Options

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Policy Coverage

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Policy Management

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Vehicle Coverage

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Additional Benefits

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Claim Management

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Getting Started

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Mobile

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Support

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Learning Materials

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Vehicle Discounts

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