Best Metlife Auto Insurance Discounts in 2024
Metlife offers a variety of discounts to its customers. You could save 40% or more for using paperless billing and not filing any claims.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 17, 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: Sep 17, 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.
On This Page
When you shop around and compare auto insurance policies, you may be drawn to MetLife because of its incredible reputation as an industry leader. This is a company that was established in 1868, and it currently provides insurance to more than 90 million customers spread across 60 countries worldwide.
However, the incredible reputation of MetLife may not be the only thing you are concerned about when you are shopping around for a new insurance policy.
- Saving money on auto insurance is easy to do when you take advantage of MetLife’s 38 auto insurance discounts.
- MetLife is a well-known and established leader in the insurance industry.
- There may be other ways for you to save money on car insurance as well.
Understanding How Auto Insurance Affects Your Finances
Your auto insurance policy can affect your budget in a few different ways. For example, your premium may be paid in full up-front, or it may be paid in quarterly or monthly installment payments.
Regardless of how you pay the premium, it becomes a regular part of your budget. Remember that drivers must purchase at least a minimum level of coverage to comply with laws in your state.
The other primary way auto insurance affects your budget relates to the deductible.
Each time you file a claim against your auto insurance policy, you will need to pay your deductible.
A standard deductible amount is $500, but you may adjust this amount to be higher or lower as desired. You generally want to have an amount of money equivalent to your deductible available in your savings account at all times so that you can file a claim as necessary.
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Determining How MetLife Can Save You Money
MetLife is a leader in the industry, and it is known for providing its customers with great service as well as competitive rates. While the rates are attractive, you may be able to save even more money when you take advantage of a combination of the company’s 38 auto insurance discounts.
Auto insurance discounts each have unique requirements that you must meet, but most drivers may be pleased to discover that they qualify for at least a few discounts.
You may be wondering what the discounts are, and a closer look at the options may help you to determine if you should inquire about MetLife auto insurance discounts.
Discounts Related to Your Car
Many safety features in your car can affect your driving experience, and MetLife offers discounts if you buy a vehicle that is loaded with safety features. Some of the safety features that it offers discounts for include:
- Adaptive cruise control
- Forward collision warning
- Daytime running lights
- Anti-lock brakes
- Stability control
- Anti-theft features
- Passive restraint features
Discounts for Safe Driving
If you have a driving history that indicates that you are a safe driver, you may also qualify for a discount. A claims-free driving record, as well as a good driving record overall, may yield savings to you. Taking a driver’s education course is another way to qualify for a discount related to safe driving.
Discounts for Your Personal Factors
There are many personal factors that can result in a discount on your auto insurance premium. For example, military professionals, federal employees, and seniors may qualify for additional premium savings. MetLife also offers discounts for loyalty, family legacy, being a good student, and more.
Discounts for Bundling Your Coverage
MetLife is a full-service insurance company, and it may offer a discount if you bundle your homeowners or renters policy, life insurance, or other products with your auto insurance policy. In addition, you may qualify for savings if you insure multiple cars or drivers under a single policy.
Other Discounts to Know About
Many drivers will be pleased to learn that they qualify for at least a few of these discounts and are able to save a substantial amount of money on their premium as a result. MetLife also offers additional discounts that can yield even more substantial savings for you, and some of these include:
- Low mileage
- Being married
- Driving a newer car
- Being a new customer
- Being a student or alumni
- Setting up paperless billing and automated payments
Read more: How to Get an Alumni Auto Insurance Discount
Exploring Other Ways to Save Money on Auto Insurance
Because your car insurance policy can have such a significant impact on your budget, you may be interested in saving even more money. There are other options available for lowering your auto insurance premium. While some are rather easy to take advantage of, others may require time and ample planning to implement.
Adjusting Your Deductible
Your deductible directly affects your premium. As the deductible increases, the premium declines. The good news is that MetLife allows you to set your deductible at any desired level within reason. This means that a simple phone call to adjust your deductible level today can result in a change in your premium amount immediately.
Improving Your Credit Rating
Insurance companies commonly review your credit rating when determining auto insurance rates. It is important that you understand what your credit rating currently is, and you can request a free copy of your credit report online once per year.
Determine what steps you can take to improve your credit rating in the months to come, and you may notice a decrease in your premium at your next renewal date.
Switching Cars
Another great idea is to trade in a car that is expensive to insure for a model that is more affordable to insure. The repair and replacement costs of a model, how frequently it is stolen, the power of the engine, and even safety features in the car can impact auto insurance rates. Therefore, the vehicle that is insured directly affects your premium cost.
Moving to a More Affordable Area
Auto insurance companies analyze driving, accident, and theft statistics for each zip code. A neighboring zip code may have much more affordable insurance rates than where you currently live. This means that moving even a few blocks away into another zip code could yield premium savings.
Your auto insurance representatives can help you to determine which zip codes may have more affordable rates.
While there are many ways to save money on MetLife auto insurance, it is important to seek quotes from multiple providers before you buy coverage. Remember that other providers offer auto insurance discounts as well, and you may find that another company offers a more affordable rate in some cases.
Don’t forget to compare rates our free insurance comparison tool below! Just enter your zip code and start comparing rates now!
Frequently Asked Questions
What are the available discounts for MetLife Auto Insurance?
MetLife offers several discounts to help customers save on their auto insurance premiums. These discounts may vary depending on your location and policy details. Some common discounts offered by MetLife Auto Insurance include:
- Multi-policy discount: Save when you bundle your auto insurance with another policy, such as homeowners or renters insurance, with MetLife.
- Safe driver discount: Earn a discount for maintaining a clean driving record without any accidents or violations over a specified period.
- Good student discount: Students who demonstrate good academic performance may qualify for this discount.
- Defensive driving course discount: Completing an approved defensive driving course can help you earn a discount on your premium.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices, such as alarms or tracking systems, you may be eligible for a discount.
- Accident-free discount: Enjoy a discount if you have been accident-free for a certain number of years.
- Mature driver discount: Older drivers who meet certain criteria, such as completing a defensive driving course or maintaining a clean driving record, may qualify for this discount.
How can I qualify for MetLife Auto Insurance discounts?
To qualify for MetLife Auto Insurance discounts, you generally need to meet specific criteria set by the company. These criteria may vary for each discount. For example, to qualify for a safe driver discount, you typically need to have a clean driving record for a specified period. To qualify for a good student discount, you may need to maintain a certain GPA or be listed as a full-time student. It’s best to check with MetLife directly or speak to an insurance agent to understand the eligibility requirements for each discount.
Can I combine multiple discounts with MetLife Auto Insurance?
Yes, in many cases, you can combine multiple discounts with MetLife Auto Insurance. However, the availability of specific discounts and the ability to combine them may vary based on your location and policy details. It’s recommended to discuss your options with a MetLife representative or an insurance agent who can help you determine the maximum savings you can achieve by combining eligible discounts.
How can I apply for MetLife Auto Insurance discounts?
When you apply for a MetLife Auto Insurance policy, you will have the opportunity to indicate if you qualify for any discounts. You can discuss the available discounts with a MetLife representative or an insurance agent during the application process. If you are an existing policyholder, you can contact MetLife’s customer service to inquire about adding applicable discounts to your policy.
Do MetLife Auto Insurance discounts apply automatically?
Some MetLife Auto Insurance discounts may be applied automatically based on the information you provide during the application process. However, certain discounts may require additional verification or documentation. It’s essential to review your policy and discuss the discounts with a MetLife representative or an insurance agent to ensure that all applicable discounts are correctly applied to your premium.
Can I get a discount for being a loyal MetLife customer?
MetLife values customer loyalty and may offer discounts or incentives for long-term policyholders. These loyalty discounts are typically available to customers who have maintained their policies with MetLife for a certain period. The specific details of loyalty discounts may vary, so it’s recommended to contact MetLife or speak with an insurance agent to inquire about loyalty discounts and how they can be applied to your policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
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.