MetLife Auto Insurance Review

#14 in Car Insurance

 

MetLife Auto Insurance offers personal injury, collision and comprehensive coverage for vehicle owners across the country. It gives vehicle owners protection against costly repairs and medical coverage during a vehicular accident. MetLife auto insurance also has a discount program that rewards good driving habits and multi-policy holders.

 

.Coverage

Comprehensive coverage

Personal Injury Protection/ Medical Insurance Coverage

Bodily Injury Liability

Collision Coverage

Uninsured/ underinsured motorist coverage

New Car Replacement

Major Parts Replacement

Rental Car Coverage

Glass Repairs without a Deductible

Towing and Roadside Assistance and Labor Cost

Legal Defense Costs

(Legal fees, $200 per day for lost wages if requested to attend a hearing or trial)

Lease/ Loan Gap Coverage

(Pays vehicle’s lease/ loan when totaled due to an accident)

 

Plans and Pricing

Male Single (insured/ no infractions)

$120 to $210

 

Male Married (insured/ no infractions)

$180 to $370

 

Female Single (insured/ no infractions)

$120 to $170

 

Female Married (insured/ no infractions)

$180 to $370

 

Discounts

Multi-policy discounts

Deductible savings benefit

(Up to $250 or $50 per year that could be used on your deductibles when no claims are made in a year)

Defensive driver discount

(Up to 7% discount by completing a qualifying driving course)

12% Superior Driver Discount or 20% MetRewards

(Up to 12% if all drivers in the household have outstanding driving records or 20% if claim or violation free for 5 years)

Good Student Discount

(Up to 15% if your high school or college student qualifies)

 

Financial Ratings

A.M Best Financial Rating A

A.M. Best Issuer Rating a+

S&P Financial Strength A+

S&P Issuer Strength A+

 

Support Services

Towing and Roadside assistance

24/7 claims reporting

J.D. Power & Associates 2/5 customer satisfaction

 

The Bottom Line – MetLife Auto Insurance

One of the first things that we noticed when reviewing MetLife auto insurance is the limited discount options it offers. However, premiums are reasonable and sit in the mid-range levels for similarly featured plans from other companies. MetLife gives its customers the option of balancing their premiums with deductibles which translate to higher premiums with lower deductibles and vice versa.

 

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