Được thành lập vào năm 1868, MetLife Insurance là một trong những công ty có thâm niên hoạt động lâu nhất trong ngành bảo hiểm tại Hoa Kỳ. Mặc dù nó không đứng đầu bảng xếp hạng, nhưng nó là một trong những công ty mà bạn không thể bỏ qua, đặc biệt nếu bạn là một người mới lái xe.

Công ty bảo hiểm ô tô nhận được một số xếp hạng công bằng từ các công ty uy tín nhất trong ngành, chẳng hạn như J.D Power và A.M Best.

Phạm vi bảo hiểm ô tô của MetLife

Bảo hiểm Ô tô MetLife cung cấp các lựa chọn bảo hiểm khác nhau cho chủ sở hữu phương tiện. Ngoài ra, họ có quan hệ đối tác với Lyft để hỗ trợ những người lái xe làm việc với ứng dụng chia sẻ chuyến đi.

Loại bảo hiểm này là một điểm khác biệt thực sự trên thị trường vì không có công ty bảo hiểm ô tô nào khác cung cấp loại bảo hiểm này cho những người lái xe hoạt động với các ứng dụng chia sẻ xe hoặc gọi taxi.

Công ty bảo hiểm ô tô cung cấp một số chiết khấu, mặc dù MetLife Auto Insurance không cung cấp nhiều chiết khấu như các đối thủ cạnh tranh trong ngành bảo hiểm ô tô. Nó có một số chiết khấu có thể giúp bạn tiết kiệm đáng kể cho khoản bảo hiểm ô tô của mình.

Một số chiết khấu mà công ty này dành cho khách hàng của mình bao gồm chương trình Học sinh giỏi giảm giá và Khóa học Lái xe Phòng thủ chiết khấu.

Một trong những tính năng thú vị nhất về bảo hiểm MetLife là với nó, bạn có thể nhận được bảo hiểm ô tô tại 50 tiểu bang của Hoa Kỳ.

Không có nhiều công ty bảo hiểm ô tô có sự hiện diện mạnh mẽ như vậy ở nhiều bang trong nước.

Quảng cáo bằng tiền. Chúng tôi có thể được trả tiền nếu bạn nhấp vào quảng cáo này. Đảm bảo rằng bạn không phải trả quá nhiều tiền cho bảo hiểm xe hơi - nhận báo giá miễn phí ngay hôm nay. Nhấp vào tiểu bang của bạn để được đối sánh với nhà cung cấp bảo hiểm xe hơi được xếp hạng hàng đầu trong khu vực của bạn. Get a Free Quote Today

Types of Insurance Available from MetLife

As a policyholder who is covered by MetLife Auto Insurance cover, you have access to the following products:

Custom Sound Equipment Coverage

Some car owners love entertainment, so they may want to customize their sound systems to fit their audio needs. In the insurance market, there aren’t many insurers who will let you cover your custom sound equipment. The assumption is that this was not originally bought with the car and therefore that liability is on you.

MetLife, however, allows you to cover your custom sound equipment and get compensated accordingly in case of an accident.

New Car Replacement

If you want to replace your car in the near future, MetLife car replacement cover might just be what you need to achieve that goal. This cover guarantees that if you have a new car that has been insured by MetLife, and it has a mileage of below 15,000 miles and is less than a year old, you can claim a new one.

It’ll be much easier and cheaper if you have a clean traffic record, but of course, they must do necessary due diligence. Not so many people get compensated by auto insurers when their cars get damaged beyond repair. With MetLife car replacement cover, you’ll never worry about that.

Ride-Share

For many ride-sharing drivers, getting a custom auto insurance plan is an uphill task as most insurers tend to shy away from the risk associated with ride-sharing apps. However, if you are on Lyft’s platform and are in the following states, you do qualify for cover; Colorado, Illinois, Texas, California, and Washington.

The cover applies when you are waiting for a customer, when you are driving to go and pick up a passenger, and when you are driving with the passenger in the car.

Car Damage Assistance

In the event of a road accident, you’re the one who’s going to pay for towing services. MetLife offers to cover you for the towing fees should your car get damaged while you are on the road. Additionally, the company will also help cover the rental expenses for another car while you wait for your vehicle to be repaired.

This rental car coverage is about $25 daily, up to a total of $750 for the duration that you will be renting the car.

Gap Coverage

As the name suggests, this type of coverage fills the gap in your car value if it’s less than the amount you still have to pay off. MetLife will pay the difference between the value of the car and the amount that remains on the car lease or loan.

Not many insurers provide this coverage, and other people are required to meet the difference when financing or leasing a car, which can get heavy.

Which Discounts Can You Get?

Although we have mentioned that MetLife does not offer very many discounts when compared to its competitors on the market, the discounts they do offer are an exceptional benefit to its customers, including:

Good Student

With good grades in school, as a student, you are going to get some discounts when you apply for an auto cover with MetLife. The discounts that you can get under this special discount can be up to 15% on the premiums to be paid. It is a good deal for motivated students who’ve just bought their first car and would like to take advantage of the discount during their time in school.

Defensive Driving

Have you taken a defensive driving course? If so, then you qualify for a discount at MetLife when you apply for auto cover. MetLife recognizes this extra effort and will give you a discount on your premiums if this skill is on your driving license.

How is Customer Experience?

When it comes to the relationship with its customers, MetLife does not live up to its reputation as one of the longest-serving auto insurance dealers in the United States. Several industry ratings do bring this to the fore, with the likes of Better Business Bureau rating MetLife at an embarrassing D-.

This grade is a meager rating considering that many of its competitors will rank above a B+ in the same polls. A.M Best Rating gives MetLife a better ranking of A+, but the reality on the ground shows a stark difference between these ratings and the customer service that MetLife offers.

Although the company has favorable premium rates on most of its auto insurance policies, other supporting components to do not function optimally. A good example is their mobile app that is available on both the Android and Apple platforms.

You cannot process a claim through the app, but you can pay your premiums through it. Customer care can be reached via the app as well, but you will experience long periods of waiting before getting through to anyone for assistance. Additionally, the insurer’s website is one of the most poorly rated in the market in terms of responsiveness.

Should You Buy a Policy with MetLife Insurance?

MetLife is, without a doubt, a leader in the insurance industry. Its reputation as one of the longest-serving companies is also a factor that has made a lot of people trust the company.

When it comes to auto insurance, however, MetLife does not offer as many benefits as its competitors. Additionally, its discounts may not appeal to a wide range of customers.

For new car owners, however, MetLife Auto Insurance Cover is an excellent option. For students who are looking to capitalize on their good grades in school to get auto insurance cover discounts, it’s also a winning formula.

So, should you buy a policy with MetLife Insurance? Ultimately, you are the only one that can decide.

Be sure to get quotes from different insurers and compare them before deciding on which policy to buy.