MetLife Auto Insurance Review (2020)
MetLife offers many types of auto insurance and coverage add-ons. It is one of the largest insurance companies in the world and has an A+ financial rating from AM Best.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Aug 24, 2020
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- MetLife offers many options for auto insurance
- MetLife has an A.M. Best rating of A+
- MetLife offers additional insurance options such as GAP, PIP, renters, towing and roadside assistance, etc
MetLife, short for Metropolitan Life Insurance Company, is one of the most well-known insurance companies in existence. Part of this is because everyone recognizes their well-known mascot, Snoopy.
The other reason is because of the company’s success at serving over 90 million customers in over 60 countries. MetLife serves its clients in the United States, Japan, Latin America, Asia-Pacific, Europe, and the Middle East.
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MetLife has been in existence for over 140 years. The company began as a private insurer for soldiers and sailors during the Civil War protecting them against disabilities.
It has since expanded its coverage greatly and maintains a strong presence in the insurance industry with an A.M. Best rating of A+.
MetLife Auto Insurance Policies
MetLife offers many options for auto insurance.
The collision and comprehensive options take care of car accidents, theft, vandalism, fire, flood, and hail damage. This coverage also allows for new car replacement should you wreck your vehicle within one year of ownership or 15,000 miles.
Major parts are replaced due to the accident and are guaranteed as long as repairs are done through an approved facility.
Additional coverage which is standard to MetLife is also provided to its clients. For example, glass repairs are completed without any deductible being spent.
Identity protection coverage is provided at no additional cost, and uninsured and underinsured motorist coverage is also considered standard under a MetLife policy.
MetLife also covers the rental vehicle if you get in an accident while driving one.
The rental coverage includes towing, decrease in market value of the rental, claims handling expenses, and rental income lost by the rental company during the vehicle’s repairs. However, this coverage is not permitted in North Carolina.
Personal Injury Protection is another benefit to MetLife policyholders. PIP covers medical services to the customer as needed.
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MetLife Auto Insurance and Additional Policy Features
MetLife provides additional policy features at an additional cost. These options include:
- Towing and roadside assistance
- Legal defense fees
- Direct billing to MetLife during use of a rental car due to your vehicle being repaired
- GAP coverage
GAP coverage covers the difference between what you owe on the car and what the car is worth if you are in an accident which deems your vehicle totaled.
– MetLife Auto Insurance Discounts
As a MetLife policyholder, there are auto insurance discounts available if you meet the stated requirements. For example:
- You can receive a $50 credit towards your deductible every year you are accident-free, with a maximum of $250 for a lifetime.
- Completing a safe driving course can earn you up to a seven percent discount on your policy.
- Multi-policy discounts are another way to save money.
- If your household is claim and violation free for five years, MetLife offers an additional discount. The discounts vary by state but can be as much as 20 percent off of your policy.
- High school students who bring home excellent grades can receive a discount of up to 15 percent on the policy.
– MetLife Auto Insurance Claims
MetLife auto insurance claims can be reported by calling 1-800-854-6011, 24 hours a day, seven days a week including major holidays.
MetLife Auto Insurance Customer Service
When MetLife first began, their agents established a personal relationship with its clients. For example, agents called their clients at the same time every week.
By giving customers this personal attention, the company was able to grow. Personal attention can still be obtained through MetLife’s local offices today.
MetLife also provides online customer service. Through the website, an insured can do the following:
- manage their account
- contact MetLife
- pay a bill
- change an address
- find claim information
Forms are also provided online which explain MetLife’s products in detail.
The website also contains a section on helpful hints such as ways to keep your car safe while traveling.
These tips include keeping at least one-quarter tank of gas in your vehicle at all times, never leaving valuables in your car, looking in the backseat upon entering the vehicle, and other recommendations that can protect your well being as you travel.
MetLife Auto Insurance Agents
MetLife agents can be located online depending on the state you reside. Agents are also listed by region. You can contact an agent by visiting their office, calling them on the phone, sending a fax, or email.
If you are only interested in getting a quote, the website permits you to get an instant quote by entering your zip code or by calling 1-800-MET-AUTO.
MetLife offices are locally managed to provide the best customer service possible. Major locations are listed on the website, but the company’s headquarters is located within the former Pan Am building in midtown Manhattan at:
200 Park Avenue
New York, New York 10166
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Careers at MetLife
MetLife has received much recognition as an employer. They have been awarded with the following:
- “World’s Most Admired Company”
- “Top Company for Executive Women”
- “Top 50 Companies for Diversity”
- “Best Place to Launch a Career”
- “Best Company for Working Mothers”
- “Best Adoption-Friendly Workplace”
There is a multitude of career opportunities at MetLife. The website is extensive in the various employment opportunities available according to your skill or background.
Jobs can be searched as a professional or even as a student looking for an opportunity to work at MetLife.
Career paths and career guides are also available on the website to help you determine the best career fit for your personality and job skill.
Customer Reviews
The customer reviews of MetLife vary greatly. It seems most customers begin quite happily with MetLife due to their good rates and discounts. Often, they incur a problem which changes their positive experience to one of negativity.
However, knowing their long history, strong ratings with all financial credit rating companies, huge client base and standing within the industry, MetLife must be doing right.
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I need to complain about roadside assistance towing service.
I waited over 4 hours in a broken down vehicle in the middle of a Brooklyn street in an industrial area. I spoke at least 4 times to MetLife agents and also the towing company that MetLife secured by my insurance plan. I was repeatedly told that a tow truck was enroute by MetLife agents and by the tow company.
Please act accordingly in rectifying this situation and seriously cut ties with this tow company whose representative was very rude and harsh in our conversations. My claim was called in at 4p.m. and my car was hitched after 8pm. Please consider this experience as very negative, time consuming and ridiculous.