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

Title
  • 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.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Dashboard You can manage and change policy details through an online service center.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Telephone Claim Filing You can file a claim via telephone.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Android App You can get an Android-specific app.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • Get a Quote You can get a rate quote through a mobile app.

  • Tablet A tablet-based app is available.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Live Chat The company offers live chat support.

  • FAQs A list of answers to frequently asked questions is available.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Blog A blog with relevant insurance information is available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Glossary A glossary of common industry terms is available.

  • Video Tutorials Video tutorials are available.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

Comparable


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