MetLife Insurance Review

MetLife may be best known for selling insurance policies through workplaces, but the company also offers auto, home, dental and other types of insurance to individuals. Policies are sold by a network of agents across the nation.

For home and auto, MetLife offers several coverage options that will pay the full cost of replacing damaged property. Policies can share a single deductible.

Metlife auto insurance coverage

In addition to the standard car insurance options, MetLife offers:

New car replacement. This option repairs or replaces your car with a new one if you total your car within the first 15,000 miles or within one year of purchasing it (whichever comes first).

Major parts replacement. If you’re in an accident, this option will pay to replace major parts like tires and brakes, regardless of their level of wear and tear. It’s not available in all states.

Gap insurance. If your car is totaled in a wreck and you owe more on the loan or lease than the vehicle is worth, this coverage pays the difference.

Deductible-free glass repair. This coverage waives your deductible for repairs if your windshield is cracked or chipped.

Deductible savings benefit. You can earn $50 each year you don’t make a claim, up to $250, to use toward lowering the deductible if you do make a claim. It’s not available in all states, and drivers in New York must first pay a required minimum deductible.

Usage-based insurance. The My Journey program, available in 20 states, tracks and scores your driving through a tracking app. You get an initial discount of up to 25% for enrolling. At renewal time you can earn a discount of up to 30% for safe driving.

» MORE: Compare car insurance rates

Auto insurance discounts

• Discount for taking an approved defensive driving course.

• Multi-policy discount.

• Good student discount.

• Discount if all drivers in your household have outstanding driving records or if you remain claim- and violation-free for five consecutive years.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.