Metropolitan Property and Casualty Auto Insurance Review (2023)

What You Should Know About Metropolitan Property and Casualty Insurance Co

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the company’s ability to provide a payout when you file a claim.

The Metropolitan Property and Casualty Insurance Company has been rated an A+ by A.M. Best and S&P and an Aa3 by Moody’s. These ratings are among the best in the industry and indicate that the company will always pay when you file a claim.

Does the Metropolitan Property and Casualty Insurance Company have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews allows drivers to determine a company’s quality of service.

At the time of this review, the BBB has received 766 complaints about the Metropolitan Property and Casualty Insurance Company over the past three years. Most of these complaints are about the company’s products and services.

According to the NAIC, the Metropolitan Property and Casualty Insurance Company has a complaint index ratio of 3.04. This number indicates that the company has triple the amount of complaints about a company of a similar size.

Who is the Metropolitan Property and Casualty Insurance Company?

The Metropolitan Property and Casualty Insurance Company began as the auto and home arm of MetLife in 1972. In April 2021, MetLife sold the company to Farmers Insurance.

MetLife still handles claims and payments to make the transition easier on customers. However, Farmers Insurance underwrites the policies.

Metropolitan Property and Casualty Insurance Co Insurance Coverage Options

While rates are a common factor when choosing a car insurance company, customers should also consider the available coverages. Finding a company with the standard insurance options will ensure protection from any incident.

The Metropolitan Property and Casualty Insurance Company provides the standard coverages that you’ll find from the most popular companies. The following table shows the traditional options offered by the Metropolitan Property and Casualty Insurance Company.

In addition to these standard coverages, the Metropolitan Property and Casualty Insurance Company also offers various additional options that customers can add to a policy for a fee. Optional coverages provided by the Metropolitan Property and Casualty Insurance Company include:

• Replacement cost coverage for parts: Replaces damaged tires, brakes, and batteries.
• New car replacement: Pays the entire replacement cost of the insured vehicle.
• Custom sound equipment coverage: Protects any aftermarket sound systems that you add to the insured car.
• Glass repairs without deductible: Waives the deductible for replacing a damaged window or windshield.
• GAP coverage: Pays the difference between what you owe on the car and its current value after being totaled.
• Rental car insurance: Provides supplemental protection against damages incurred while driving a rental car.
• Rental car reimbursement coverage: Pays the cost of a rental car while the insured vehicle is undergoing repairs after an accident.

Adding these optional coverages to a policy increases Metropolitan Property and Casualty Insurance Company auto insurance quotes.

How can you file Metropolitan Property and Casualty Insurance Company claims?

Even though Farmers Insurance now owns the company, MetLife still handles the Metropolitan Property and Casualty Insurance Company claims process. This decision makes the transition easier for customers.

Customers can make claims by calling the Metropolitan Property and Casualty Insurance phone number at 1-800-854-6011. After filing a claim, customers can track the claim’s progress by visiting www.myautohome.farmers.com.

How can you make Metropolitan Property and Casualty Insurance Company payments?

The easiest way for customers to make Farmers Metropolitan Property and Casualty Insurance Company payments is through the company website or app. Like filing claims, MetLife handles payments, which customers can complete through the MyMetLife e-payment system.

Signing into your account allows customers to make payments by debit or credit card. Entering your login information will display all of your policies and enable you to pay online. This option is usually the most efficient way of making payments.

The company also allows customers to make payments through wire transfers. Customers can use this option as a one-time payment or standing order. The latter allows the company to withdraw the amount due automatically.

Customers who prefer to make payments in person can visit one of the company stores. The company has locations all over the country, and customers can make in-person payments by debit card, credit card, or check.

How can you make Metropolitan Property and Casualty Insurance Company policy changes?

Drivers who buy Metropolitan Property and Casualty Insurance Company auto insurance can make policy changes online or by phone. The easiest way is to enter your account online, allowing you to adjust your policy quickly.

However, you can also call the Metropolitan Property and Casualty Insurance Company contact number at 1-800-422-4272. In addition to making policy changes, representatives at this number can answer any questions you have about coverage.

Metropolitan Property and Casualty Insurance Co Insurance Rates Breakdown

The cost of auto insurance is a common concern among drivers. Comparing various providers is the best way to determine the most cost-effective option.

The Metropolitan Property and Casualty Insurance Company was once a part of MetLife but is now a subsidiary of Farmers Insurance. However, the company’s rates remain the same after the transfer.

Comparing affordable Metropolitan Property and Casualty Insurance Company auto insurance rates with other companies will help you decide if it’s a cost-effective option. The following chart shows the company’s average annual full-coverage rates compared to other companies.

As you can see, the Metropolitan Property and Casualty Insurance Company has higher rates than many top competitors. However, the company’s rates are still competitive compared to these companies.

There are various factors that affect auto insurance rates. High-risk drivers will always experience higher rates. In addition to average rates, drivers should also consider how a violation will impact the cost of coverage.

The following chart shows the average annual full-coverage rates for Metropolitan Property and Casualty Insurance Company customers based on common driving violations.

This chart shows that rates increase the most when a driver has an accident. However, you can also expect to see significant increases in rates if you get a speeding ticket or have poor credit.

Metropolitan Property and Casualty Insurance Co Discounts Available

Car insurance rates can be expensive, especially for a high-risk driver. To mitigate these prices, most insurance companies provide discounts to lower rates. These discounts make high-cost insurance much more affordable.

One of the best ways to lower your rates is by bundling coverages. For example, the Metropolitan Property and Casualty Insurance Company offers auto and home insurance and buying these coverages with the same company results in savings.

In addition to bundling coverages, the Metropolitan Property and Casualty auto insurance company offers several deals to help drivers save. The following table shows the most common discounts provided by the company.

When buying auto coverage, asking a representative about all available discounts will ensure that you get the best possible rates.