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What is Metropolitan Auto Insurance?

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Things to Remember...

  • MetLife’s long-standing good reputation in the industry makes them a great prospect for your next auto insurance policy
  • Drivers with a carrier whose coverage follows you throughout the 50 states and the listed island groupings can travel freely without much hassle
  • Not only does a safer car make financial sense, but it may keep your priceless valuables — you and your family and friends — safe
  • You can potentially save a lot of money just by separating a junior’s insurance from the rest of the household’s

Think you don’t know Metropolitan Auto Insurance? Think again. You may be able to recognize the company from a certain very recognizable cartoon dog made popular by Charles Schultz.

Metropolitan Auto Insurance is the official name for Met Life Auto insurance. You may be more familiar with their life insurance line of products. Even so, it’s worth giving this reputable company a look for your vehicle coverage.

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Travel All Fifty States Confidently with MetLife

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MetLife’s long-standing good reputation in the industry makes them a great prospect for your next auto insurance policy. The company’s sheer size means that it serves all 50 states, including the Marshall Islands and the Virgin Islands.

That’s a plus for drivers who may be moving from one state to another and do not want to switch car insurance providers.

Additionally, drivers with a carrier whose coverage follows you throughout the 50 states and the listed island groupings can travel freely without much hassle.

It takes away some of the concerns for how a claim might be handled in another state.

Additionally, MetLife Auto has demonstrated as a company to have the substantial financial resources to consistently pay claims, according to various credit rating agencies. They have consistent A-ratings. Customers are consistently satisfied with their claims experience as well.

Shop for the Best Quotes

Start by naming your specific insurance needs. All states mandate a minimum amount of coverage. On top of that, if you are leasing or still paying off a car, the company or lender may have additional insurance requirements. Make sure you are buying adequately to cover your assets.

It is important as the consumer to shop around for insurance coverage. Make sure to do your research ahead of time – don’t depend on the car insurance agent to do your homework for you!

Keep in mind that the type of vehicle you drive may be affecting your insurance rates. You might be surprised just how much the pricing differs among different vehicle classes and sizes.

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Compare Premiums When Getting a New Car

Most people assume that when they buy a newer car their insurance automatically will go through the roof. This is not necessarily the case.

In particular, people who trade in heavier vehicles that can translate into more fatalities and property damage for a smaller and safer vehicle can end up saving money.

When buying a new car, draw up a list of vehicles you are interested in and look at them from a practical standpoint. In other words, how much will it cost to insure each vehicle on your wish list?

This will remind you of just how costly a car may be long after the new car scent has faded. In other words, you will see how much insurance you will be paying for the life of the new car. This can save you a lot of headache and hassle in the future.

Factors in Pricing Insurance for New Cars

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Some factors that affect that price of the insurance for a new vehicle include:

Achieving ideal safety ratings is one way to force insurance costs down. While a safer car will not necessarily stop accidents, it can reduce the degree of injuries and even prevent fatalities.

Not only does a safer car make financial sense, but it may keep your priceless valuables — you and your family and friends — safe.

Security is another big factor in how much the premiums will cost with any insurer. If your car is on thieves’ hot list, then it is a target for being stolen.

If that happens, the car insurance carrier pays out a claim, which means that they are out money. As a result, they increase your insurance rates. They do charge you higher rates up front too, in anticipation of such theft, rather than waiting for your car to be stolen.

The cost of car parts also is a huge factor in insurance pricing. If your car is involved in an accident, your insurance carrier will have to pay out benefits to have it fixed. These are expenses that your insurance company does not want to incentivize. 

If you have a rare and particularly pricey vehicle model, the parts required to repair the car may be expensive. Additionally, finding a specialized mechanic who can fix the car may be hugely expensive and a rarity too.

The initial selling price of the vehicle also impacts insurance rates. If the carrier has to replace your vehicle if, they will have to pay more to replace it with the same model. Insurance pricing reflects all of these anticipated costs that the insurance company must take on in insuring your car.

Limiting Driver and Vehicle Costs

Have a teenager who is just learning to drive? Particularly in pricey states, you may want to hold off on putting them onto the household policy. Many parents check out premiums for their teenager to have their own policy.

You can potentially save a lot of money just by separating a junior’s insurance from the rest of the household’s.

Other parents have found that their inexperienced drivers are too costly, even with discounts for good grades or defensive driving courses. In those cases, parents and kids agree that maybe junior can wait on having insurance and a car until after college or until after the age of 21.

It’s been an increasing trend for parents in expensive states to hold back on giving their teens the keys and insurance to the family car. However, most insurance carriers are becoming aware of this. In response, some have started to count your twenty-something as a new driver.

All families are different – this is why it is important to do your research ahead of time and shop around.

Older Age May Also Affect Pricing

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For a long time, the elderly were valued for their long-held driving experience. This meant they paid lower rates for insurance. This is not the case anymore. In many cases, the cost of insurance for the aging population is increasing.

Again, the only way to prepare for this is to shop around and compare quotes.

Be aware of the actual amount of coverage that you need, and only buy sufficiently to cover yourself and your vehicle.

Consider downsizing your vehicle and comprehensive and collision coverage. Take advantage of low mileage driving, if you are among the many who do not drive more than a few thousand miles per year.

MetLife Auto is a long-time insurer with great credit ratings and high customer satisfaction. Always do your homework by comparing rates, especially in high-cost auto insurance states. Make sure to research how well a company treats its clients to check their credentials.

Just because a company offers the lowest rate, does not mean they are the most reliable. Do your homework in advance and review ratings of companies. Otherwise, the insurance carriers may be taking you for a ride.

Use our FREE comparison tool to start comparing rates now!

Free Car Insurance Comparison

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or call (855) 977-0861 for free quotes