Metropolitan Lloyd’s Auto Insurance Review (2024)
Metropolitan Lloyd doesn't offer quotes online, but MetLife does. Comparison shopping may save you up to 20% on your next auto insurance policy.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Metropolitan Lloyd's
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
AComplaint Level:
LowPros
- Metropolitan Lloyd’s is a subsidiary of Metropolitan Property and Casualty Insurance
- Metropolitan Lloyd’s is also affiliated with MetLife, a company that provides a variety of products
Cons
- Metropolitan Lloyd’s offers auto insurance but does not maintain its own website
- Metropolitan Lloyd doesn’t offer quotes online
- Metropolitan Lloyd's is a subsidiary of Metropolitan Property and Casualty Insurance
- Metropolitan Lloyd's is also affiliated with MetLife, a company that provides a variety of products
- Metropolitan Lloyd's offers auto insurance but does not maintain its own website
While it offers auto insurance, Metropolitan Lloyd’s does not have a website for obtaining quotes.
As an alternative, MetLife maintains an extensive website, so this auto insurance review will focus on MetLife.
Since it was founded in 1868 in New York City, MetLife has provided various insurance products, annuities, and employee benefits programs.
What You Should Know About Metropolitan Lloyd’s
When a potential customer wants an auto insurance quote, he can visit the MetLife website’s link to find an agent via a zip code search or just complete the short form, and a MetLife agent will contact the customer right away.
Easier still is the online instant quote request form because it’s free, and the consumer can discuss the resulting options with a MetLife agent.
The form will ask for some personal information as well as details about the vehicles and drivers. Another option for obtaining a quote is to call 1-800-MET-AUTO.
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MetLife Auto Insurance Claims
When a customer is involved in an accident and needs to file a claim, he can call MetLife’s claim service at 1-800-854-6011. Claims representatives are available 24 hours a day, seven days a week, 365 days a year.
Online forms can be submitted for glass repair and towing service claims. If a customer can have his auto glass repaired rather than replaced, MetLife will waive the deductible payment.
For filing a towing service claim, the customer can access the eSERVICE link on the MetLife website.
MetLife Auto Insurance Customer Service
The MetLife website is extensive and provides helpful information for customers who have questions about which insurance products best fit their needs.
The tab called “Life Advice” offers multiple articles on a wide variety of topics, including safety, financial obligations, and life transitions that would affect a customer’s necessary level of coverage.
A downloadable PDF of “Life Advice: Auto Insurance” serves as a valuable reference when making auto insurance decisions.
The MetLife website also contains helpful explanations of various insurance terms, so that a customer can understand every aspect of an auto insurance premium bill.
Customers can make changes to their accounts or profile information, access online forms, or contact customer service representatives.
MetLife Insurance Careers
If someone is interested in a career with MetLife, the online resources are extensive. The company’s website’s career guide details the types of career paths available at the company, and people can find jobs that fit their personalities.
For example, scrolling over a silhouette of a woman reveals personality characteristics including, “good negotiator” and “decision maker.”
If those traits describe a job seeker, then that person can click on the silhouette to see a list of careers to pursue at MetLife.
MetLife has been named one of the “Best Places to Launch a Career” by BusinessWeek magazine.
Among the many opportunities for college students are internships and programs for new graduates.
The Leadership Development Program guides those interested in management careers in gaining the knowledge and experience they need to be a successful manager at MetLife.
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Metropolitan Lloyd’s Insurance Coverage Options
In addition to the standard policies that are required for many drivers, MetLife offers expanded liability protection, comprehensive coverage advantages, and personal injury protection.
Additional features are available that will broaden customers’ protection such as uninsured and underinsured motorists or unexpected medical payments.
Also available are several discount options, including safe driver programs and rewards for young drivers. Customers can assemble a package of coverage options to fit their individual needs.
MetLife offers a package of auto insurance benefits that surpass traditional coverage. These features include:
- Enhanced rental car damage protection
- Full replacement cost for total losses
- Full replacement cost for major auto parts
- Multi-policy discounts
Protection from lost wages due to an accident, benefits to survivors when death occurs, and coverage of legal fees resulting from an accident are also additional features available.
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Frequently Asked Questions
What is Metropolitan Lloyd’s Auto Insurance?
Metropolitan Lloyd’s Auto Insurance is a comprehensive insurance policy that provides coverage for your personal vehicle against various risks and damages. It offers financial protection in case of accidents, theft, vandalism, and other unforeseen events.
What types of coverage does Metropolitan Lloyd’s Auto Insurance offer?
Metropolitan Lloyd’s Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) coverage. These coverages help protect you, your vehicle, and others involved in an accident.
How does liability coverage work?
Liability coverage under Metropolitan Lloyd’s Auto Insurance helps protect you financially if you’re responsible for causing bodily injury or property damage to others in an accident. It typically includes coverage for medical expenses, legal fees, and property repairs or replacements up to the policy limits.
What is collision coverage?
Collision coverage provided by Metropolitan Lloyd’s Auto Insurance pays for the repairs or replacement of your vehicle in the event of a collision, regardless of fault. If your vehicle is damaged in an accident, collision coverage helps cover the costs, minus the deductible.
What does comprehensive coverage include?
Comprehensive coverage offered by Metropolitan Lloyd’s Auto Insurance protects your vehicle against non-collision incidents, such as theft, vandalism, natural disasters, and damage caused by falling objects or animals. It helps cover the repair or replacement costs, up to the policy limits and after paying the deductible.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage provided by Metropolitan Lloyd’s Auto Insurance offers protection if you’re involved in an accident caused by a driver who has no insurance or lacks sufficient coverage. It helps pay for your medical expenses, lost wages, and other damages when the at-fault driver is unable to cover them.
What is medical payments coverage?
Medical payments coverage under Metropolitan Lloyd’s Auto Insurance helps pay for the medical expenses resulting from injuries sustained by you and your passengers in an accident, regardless of who is at fault. It covers necessary medical treatments, hospitalization, and sometimes even funeral expenses.
What does personal injury protection (PIP) coverage include?
Personal injury protection (PIP) coverage, available with Metropolitan Lloyd’s Auto Insurance, provides broader coverage for medical expenses and related costs resulting from an accident. It typically covers medical treatments, lost wages, rehabilitation, and sometimes even essential services like childcare.
Can I customize my Metropolitan Lloyd’s Auto Insurance policy?
Yes, Metropolitan Lloyd’s Auto Insurance allows you to customize your policy to some extent. You can often choose coverage limits, deductible amounts, and additional optional coverages based on your specific needs and preferences.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.