Metlife

Car Insurance
MetLife car insurance, which is its popularly called name is actually Metropolitan Life Insurance Company, and is an auto insurance company giving services to all the U.S. states. It’s reviewed that the policy premiums of Metlife are higher somewhat than many other insurance companies.
4.1
out of 599 user reviews

Insurance Coverage

However Metlife has some user ratings, which is quite impressive, and you may like a few features especially. To know more about their services, stability, and other factors, and compare them with other policies, read on.

Metlife Car Insurance has an overall rating of 85 out of 100, and this is a fairly nice rating. This rating is based on the smaller ratings of financial stability rating of 4, customer satisfaction rating of 4.1, affordability rating of 3, which are all given on a scale of 5.

Metlife offers car insurances in all states of the U.s. Yet the rules differ from one state to other for the automobile laws differ. If you have to compare, you must check with the coverage of other companies.

For an example of the coverage plans of Metlife, the cover in Colorado is described below:

  • Bodily injury cover of $25000 per person and $50000 per accident is given the minimum.
  • Property damage cover of $15000 given.
  • Uninsured motorist cover of $25000 per person and $50000 per accident given
  • Medical payments cover of $5000 per accident.

These are all standard plans which have parity with other insurance providers too.

Coverage Options

There are several coverage options for MetLife. The company covers the basic insurance covers like the medical payments, physical damage, collision cover, comprehensive cover, property damage liability and so on.

The other extras are:

Rental Car Coverage: if you are driving a rental car, and meet an accident, then the costs for the damage to the rented car will be paid to the rental company by the insurance provider.

New Car Replacement: if the new car is totaled within the first year of use or within traveling the first 15000 miles, then you get the reimbursement on charges of repairing or a complete replacement of it by a new car while you bear the deductibles.

Special Parts Replacement: although the cost of the special items and accessories in the car will get reduced over years as per use, and wear and tear will degrade their quality, yet their cost will be paid as per the initial value of buying by the insurance provider, in the case of loss or damage etc.

Affordability

The affordability of the cheap car insurance company is the measure of how cheap or expensive customers are finding the policy plans. The rating of affordability on a scale of 5 is 3. This means that the policy is affordable, and yet a little expensive than many other policies.

Hypothetically, if a man using a sedan class car, and aged 30 years buys a policy from Metlife, then his monthly premium installment would be around $217. When compared to other insurance policies, this amount is higher than the average by $80 to $99. When this calculation done for 6 months, then the premium collected over 6 months comes to $1303, and the extra he is paying compared to other average policies would be approximately $400 or higher.

The discounts currently offered by Metlife policies are:

  • No claims
  • Good Student
  • Defensive driver courses
  • Multi-line policy
  • Safe driving record

All of these discounts are to help you save on your monthly premiums.

Customer Satisfaction

Customer Satisfaction Rating: 
4.1
out of 599 user reviews

Customer satisfaction rating on 5, is a good figure, which suggests that as per Metlife Car insurance reviews, that they are good in resolving issues of customers, and have an impressive record of helping the customers.

This rating is much better than most other insurance providers, and one may rely on the insurance provider to get good customer dealing experiences from them. This rating has been given based on other important ratings which are as follows:

  • Ease of setup - 8.6
  • Customer service - 8.2
  • Claims process - 8.5
  • Discount dissatisfaction - 7.9
  • Premium affordability - 7.5

Financial Stability

Financial Stability Rating: 
4.0
out of 599 user reviews

The financial stability is based on the power and records of the insurance company to settle customer claims. The financial stability rating of MetLife insurance is 4, which is quite impressive a rating. With total assets of $474.9 billion, the Metlife car insurance is one of the healthy companies to buy a policy from.

Conclusion

It’s important to compare quotes and apply for a policy. Getting a cheap quote is not enough, but you must rather find out who is settling claims better, who is handling customers best, and where they are settling faster claims etc. On the basis of all these things you should get your insurance.

The contact umber to customer care of Metlife is (800) 422-4272, and the general contact number is (212) 867-0750.

Survey Review Data

Contact Info

General Phone Number: 
1-800-422-4272
Customer Service Phone: 
1-800-438-6381

Metropolitan Life Insurance Company,

New York,

NY 10166

Newest From Blog

The above word, PIP is related with a type of insurance or can be called as a personal medical protection to those peoples who have this. PIP, stands for personal injury protection auto insurance or personal insurance protection.

If someone have a vehicle like car, bus, van, jeep, motorbike, scooter etc. than he/she must have to insure your vehicle under any insurance policy. Any insurance company just assured you to get the coverage of your vehicle at the time of damage due to certain reasons of occurring accident.

Many coverages are there in insurance policies, but not any other issues can be covered through that particular policy. So, for that the other types of issue of damage or accident there is a comprehensive auto insurance covers. What is comprehensive insurance?