Auto Insurance
With MetLife Auto & Home®, the first national insurer to provide Identity Protection Services at no additional charge, you get smarter, more complete* auto coverage. See how affordable it is to start really protecting yourself today. Auto AdvantageSM provides real insurance and real value, including:
*In NC, auto policies are issued with state-mandated, industry-wide coverages.
- Deductible Savings BenefitSM 1
- Enhanced Rental Car Damage Coverage2
- Replacement Cost for Total Losses2, 3
- Replacement Cost for Major Parts4
Protect your vehicle - and your wallet
Stack up the benefits of a MetLife Auto & Home auto insurance policy against our competition and we're sure you'll agree that we beat them every time. Check out the valuable, peace-of-mind benefits listed below that come standard with most** of our auto insurance policies.
**Not available in NC.
New car replacement for a totaled vehicle2, 3
Our standard auto insurance policies automatically include replacement cost for total losses — settlement is made without factoring in depreciation. The coverage is available if you total a new car within one year of purchase or the first 15,000 miles on the odometer, whichever comes first.
No depreciation on major parts2
Subject to policy terms and conditions, we protect you against financial loss, even in partial losses. We'll pay to replace certain parts, despite their wear and tear condition at the time of an accident, and take no deduction for depreciation. This applies to
- tires
- brakes
- battery
- shocks, and more
We also provide customers with the following:
Free glass repairs without a deductible
If your windshield is chipped or cracked due to a covered cause of loss, we'll repair it and waive your deductible. We can repair it generally in fewer than 30 minutes.
Protection from hidden rental car fees2
If you have a covered accident with a rental car, MetLife Auto & Home auto insurance protects you against incurring some costs rental companies often demand from you:
- Rental income lost while the rental car was being repaired
- Claim handling expenses
- The decrease in the market value of the rented auto
- Expenses, such as towing and storage of the damaged rental auto
Identity Protection Services
Identity theft is a growing problem that can affect anyone and cause financial hardship. Our insurance policy customers receive*** — at no additional premium — Identity Protection Services. If you suffer identity theft, we'll assign you an identity theft professional who will help you contact your creditors and necessary government agencies to help restore your identity.
***Not available in NC, nor to NH auto customers, nor with all policy forms.
Earn $50 off your deductible each year you're a claim-free driver1
With MetLife Auto & Home, it pays to be a safe driver. Through Deductible Savings Benefit, you can earn a credit toward your deductible every year your household doesn't have a loss. That could reduce your out of pocket cost, in the event you submit a claim.
Guaranteed vehicle repairs
If your vehicle is damaged in a covered accident, you can trust us to have it fixed correctly through our network with more than 2,000 repair shops, where we'll guarantee the work done on your vehicle for as long as you own it. Your participation in this program is optional. In Massachusetts, guarantee is provided through the Platinum Auto ServiceSM program.
Industry-leading claim service
MetLife Auto & Home was named among the industry's leaders in customer service****. MetLife Auto & Home is committed to customer satisfaction. To ensure we are providing caring, quality service, we survey our customers quarterly with a leading research company. This helps us understand our customers' needs and improve delivery of our value promise.
****According to A.M. Best Company's study entitled: "... (200x)"
Flexible payment plans
You have your choice of various payment plans, including ExpressIT®, which, with your sign off, conveniently deducts payments from your bank account. This plan features no paper bills, no checks to write, and no clutter. Payment plans vary by state.
1. Not available in all states. In NY, a state-required minimum deductible is required before using this benefit. Benefit is capped at $250.
2. Subject to deductible and state availability. See policy for restrictions.
3. Applies within the first 12 months or 15, 000 miles, whichever comes first. Substitute, non-owned, and leased vehicles excluded.
©2009 MetLife Auto & Home.
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