If you are thinking about getting MetLife Auto & Home insurance, you may want to review the features of the policy. Rates are just one feature. Learn more about Coverage options, Customer service, and Affinity discounts. Then decide if you want to get coverage. In addition, you can pay your premiums monthly or yearly. Several payment options are available, including monthly deductions from your paycheck. In addition, you can pay your premiums with a credit card, bank account, check, or money order.
Rates
Consumer Affairs lets consumers rate companies based on their overall customer experience and policy coverage. The Consumers Advocate gives a score to each insurance carrier based on how stable the company is and how much it satisfies consumers’ needs. In 2018, the National Association of Insurance Commissioners rated MetLife with a score of 1.64, with more complaints than the average company. MetLife offers three basic homeowner insurance packages – dwelling, other structures, and personal property. The insurer also offers medical payments, personal liability, and loss of use coverage.
Customer service is mixed. Customers have mixed reactions to MetLife’s customer service. While the company offers reasonable rates to crash victims, their car insurance service is below average. Customers who prioritize customer service will likely be happier with other providers. The company’s website lists basic coverage options for auto and home insurance, including liability, personal property, loss of use, and medical payments. Customers can also opt for guaranteed replacement cost coverage for their homes. Choosing this type of coverage is particularly important because the cost of repairing or replacing a home increases with age, and the company will charge higher premiums if past claims have occurred.
Customer service standards are high. MetLife scores 817 out of 1,000 on the customer satisfaction index, but falls short of the industry average of 835. The company’s complaints are almost exclusively related to difficulties in claims processing or unexpected fees. MoneyGeek analyzed average quotes for a sample driver in every state. The company’s annual cost of $1686 is well below the national average. Aside from its overall performance, MetLife’s reputation is better than its competitors.
Consumers should look for an insurance company with a good reputation. The A.M. Best rating is a good sign of a company’s financial stability. An A.M. Best rating of A+ means a company is more likely to meet its financial obligations. As a result, MetLife has a good reputation with consumer sentiment sites. If you’re concerned about MetLife, you can call their customer service representatives for assistance on weekends, weekdays, and evenings.
Coverage options
Consumers can rate companies they’re considering for their insurance policies using the Consumers Advocate. These agencies grade companies on their reputation, policy coverage and stability. These organizations also track complaints to state insurance departments. In 2018, MetLife received more complaints than the average company. Its basic home insurance coverage packages include coverage for personal property, liability, and loss of use. Customers can also choose guaranteed replacement cost coverage. Because home repair and replacement costs rise with age, a homeowner can choose to increase their coverage to cover these increases. In some cases, past insurance claims will also raise the premiums.
Consumers should be aware that MetLife has received mixed reviews from national names in the industry. However, AM Best rates MetLife Superior for financial strength. While the Better Business Bureau reports that MetLife has a large number of complaints, consumers should keep in mind that the company offers significant discounts and some unique coverage options. In addition, consumers can choose to deal with a local agent or do their research online. However, consumers should be aware that many national insurance companies have higher customer satisfaction scores than MetLife.
While the auto and home insurance business has been sold to Farmers, other insurance options will remain. If you currently have a MetLife home and auto insurance policy, it will not change. Farmers will issue your policy through its subsidiary Foremost. However, it is important to watch out for possible changes to your policy. Another thing to watch for is that MetLife has discontinued its MyDirect program. The MyDirect program won’t be transferred to Farmers.
In addition to standard home and auto insurance coverage options, MetLife also offers several optional coverages that are competitive with competing insurance companies. This ensures a level of peace of mind for the customer. The coverage options that MetLife provides include replacement of damaged cars, repairs of special parts, and enhanced rental car damage coverage. For instance, MetLife covers rental cars when the vehicle is totaled. But, in some cases, the coverage doesn’t cover stolen parts.
Customer service
MetLife’s customer service is second to none. Not only do they provide excellent service, but they also strive to meet their customer’s needs. You’re more than a policy number to MetLife, so they’ll go above and beyond to meet your needs. For example, filing a claim is simple and their claims department works quickly to process your claim. Not only do they provide great service, they also offer excellent rates without sacrificing coverage.
If you’re concerned about paying for your insurance premium each month, MetLife has a few options. They can be deducted from your paycheck every pay period or you can set up an automatic deduction from your checking account. You can enroll at any time, and premium payments are also convenient. MetLife also offers several billing methods, including auto-deduction and credit card payment. For additional convenience, MetLife offers customer service consultants on weekends, weekday evenings, and weekends. You can also speak with a live consultant about your insurance policy at anytime.
MetLife offers affordable insurance for drivers who have a history of traffic accidents or other serious problems. Unlike many other car insurance companies, it also offers discounts for accident victims, making it easier to reduce your monthly premiums. Customers will likely have a better experience with other providers if they place customer service above all other factors. However, if you prioritize quality over price, you should consider other options. You may be happier with MetLife’s car insurance customer service than with another provider.
Affinity discounts
Affinity discount programs from MetLife allow members of a particular organization to save money on car insurance. The discounts are available to employers and affiliated organizations and can total up to 30% of the cost of the policy. To receive an affinity discount, a member of a certain organization must enroll in a program through a specific employer. Upon enrollment, a member will receive a certificate and an e-mail with details on how to redeem it.
Affinity group discounts allow organizations to access a pool of potential customers with similar interests. In exchange for promoting membership in a group, the organization may receive a referral fee. Organizations like the American Horticultural Therapy Association and Mensa can offer affinity discounts to their members. Such discounts are designed to increase their membership and encourage members to buy insurance. They typically offer discounts of five to twenty percent. Affinity group discounts are good for both parties, as they encourage members to purchase more insurance.
Another example of an affinity discount is MetLife’s offer to United States Power Squadron members. Similarly, affinity discounts are available for college and university alumni groups. Companies such as Liberty Mutual offer discounts to members of more than 14,000 organizations, associations, and companies. To learn more about affinity discounts, visit their website. The information provided here can help you decide whether to join a group or not. The benefits are endless!