Should I Get Car Insurance Online?

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Where to get car insurance is a hard choice for many people. Some people may have heard that buying car insurance online has its drawbacks. This article will examine and explain if you should get car insurance online.

What Is Car Insurance?

Car insurance is protection for drivers and passengers on the open road. It is almost always a requirement in order to legally drive. This is to help everyone on the road stay safe in case of an accident.

It can cover the cost of repairs to a vehicle if there is damage. Car insurance can cover your medical bills. The insurance company will usually cover the cost of legal fees if you are at-fault.

There are several different types of car insurance policies. They vary based on state, carrier and even the type of car you drive. Most carriers have several options to make sure you are covered for situations where you might find yourself.

Why Buy Car Insurance Online?

One of the biggest advantages of buying car insurance online is ease of access. In the old days, buying car insurance was usually done in person. As time went on, it became possible to buy it over the phone. This was a huge step forward in achieving easier access.

However, this could still require long telephone calls discussing uncomfortable information with strangers. This makes most people uneasy.

Since the popularization of the internet, it has been possible to sign up for car insurance online. This allows you to get a rate without having to drive around town or make awkward phone calls.

The Reason You Should Buy Car Insurance Online

Comparing car insurance rates online is the easiest way to do that. You can get lots of rates in minutes on a single site. Usually, you don’t have to worry about getting phone calls or mailers from the car insurance company you didn’t chose.

Once you have several quotes, you can usually keep them handy. Although these quotes may not be completely accurate, they give you a good idea about which carrier will be the best choice for you.

Buying car insurance online is usually the best, easiest and cheapest way to get insured.

Still Not Sold?

Of course, buying it online isn’t the best choice for everyone. Some people aren’t comfortable sharing personal information on the internet, even on secure websites. Others prefer having the human touch of using a neighbor insurance agent.

Personally, I had a car insurance agent knock on my door which I found awkward. so that last reason was not factor for me.

Although buying car insurance online is an easier way to compare quotes, you can still shop around without using a computer. Some agencies even work with multiple carriers. They can compare rates for you. However, they are not required to actually give you the best rate they find.

What’s worse? Some insurance carriers will even raise rates based on the agency that writes their policy.

My Experience

When I sold car insurance, one of my coworkers told me about her daughter. Her daughter found that going through the Progressive website gave her a much cheaper rate than her mother could find at our agency.

This may sound nefarious. However, insurance prices are not standardized. In fact, most insurance companies are required to state in their commercials that prices vary based on how you buy. This is something most people may not know. However, it can cost you if you go about buying insurance the wrong way.


Because of this experiences, I recomend always going through the carrier’s website. Even after using a comparison site, you should try going through the company’s site. This will insure you are getting the best price you can. It is usually well worth a time investment of a couple hours to save money for months.

So there are a few of my thoughts on buying car insurance online. For most people, it is simply the best option available.

With the popularization of smartphones, most carriers will even have an option to buy through their apps. Some of these apps will even track your driving for you. This usually will lead to much lower rates for most drivers.

Although the idea that something is tracking your driving may be scary, it can only lead to lower rates. They usually track how quickly you accelerate, the hours you drive and how quickly you turn. These are all markers of safe driving.

What are your experiences? Is online the way to go for insurance?

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MetLife Auto Insurance 800 Number

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

We looking for the phone number to contact MetLife auto insurance? This article will tell you everything that you need to know before you make that phone call.

How Do I Contact MetLife Car Insurance?

There are several ways to contact MetLife insurance. Those ways include: email, telephone and fax. Usually, calling them is the quickest and best option available. However, you should know which department you need before you make the phone call.

If you aren’t sure which department you need, you will likely call the wrong one. This wastes your precious time, that is especially short after being in a car accident.

Naturally, a representative can usually transfer you to another department. However, this may mean waiting for a representative twice. The first time waiting is basically wasted. The way to avoid that is by verifying which department you need to reach.

Which MetLife Auto Insurance Department?

As one of the largest insurance companies in that nation, MetLife has several phone numbers. They numbers can be a benefit or a burden to its customers. If you have the right number, you can get in touch with a representative much quicker.

Being connected to the wrong department is incredibly frustrating. This may only add to the frustration you experience after being involved in a car accident.

Unfortunately, as I stated above, it can be a burden when you reach the wrong department. Read below and I will help you find the right department and phone number for you to call!

There are three different auto insurance departments at MetLife. Namely, Claims, Service and Auto and Home’s CARE Network.

MetLife Auto Claims Phone Number

If you are trying to file a claim over the phone with MetLife Auto Insurance for damage to your car, glass, or towing, Call 1-800-854-6011. They are open 24 hours a day, 7 days a week, 365 days of the year.

However, if you can, it may be a better choice to file online. You can file claims for all those things. In fact, a towing claim should be filed online.

If you are checking your claim status, you can actually send MetLife a direct message on Twitter @MetLifeCares with your name, policy number and zip code. They can take care of you there.

How do I speak to a representative at MetLife?

One of the most annoying things about calling an insurance company is having to go through it’s automated system. Usually, you have to wait to speak to the first representative just to wait again after he or she transfers you to the next department.

The best way to speak with a real person is to go through their automated menu. After you have verified your information, try pressing the number 0 multiple times until you hear a person’s voice.

What Are The Hours for MetLife Auto Insurance?

Car accidents can happen at any time. Fortunately, MetLife’s car insurance line is always open. 24 hours a day, 7 days a week, 365 days a year (366 on leap years), there will be someone to answer your phone call.

If, for some reason, the line is busy or you cannot reach a representative, try using their website or their app to file a claim. Occasionally, call centers may experience technical difficulties. This may be the best workaround during those times.

However, MetLife’s customer service line should always be there for you. They can answer questions about your policy, help you file a claim and help you stay or get back on the road sooner than you might expect.

Should I File A Claim With MetLife Auto Insurance?

The choice of filing a claim is a tricky one. Sometimes, in small accidents, it makes more sense to have each party figure it out privately instead of involving insurance. However, be careful in these situations.

Sometimes, scammers will collect your insurance information, send you personally a bill, keep that money and still file a claim with your insurance company. This is extremely dishonest and probably very illegal. If you can, pay the repair shop yourself, in person, and get a copy of the repair records. That way, you will have what you need if they threaten to take you to court.

If the accident is too large to settle personally, you may wish to file a claim. If you are not-at-fault, you would file a claim against their insurance policy. Their insurance policy should cover the cost of repairs to your vehicle.

If you are at-fault but have full coverage, it is probably a good idea to file a claim. This is when your insurance company will pay to fix your car or its value before the accident. This can help keep you on the road.

MetLife Commercial Auto Insurance Phone Number

What if you have a commercial policy with MetLife? What number should you call?

If your vehicle is registered to a company’s name, it needs a commercial vehicle policy. Although your policy is different than a individual insurance policy, you will still call 1-800-854-6011. This number should work at any time, day or night. So if your business has an emergency in the middle of the night, MetLife should be able to take care of you.

Metropolitan Casualty Insurance Company Phone Number

What if your insurance card says Metropolitan Casualty or Auto Insurance on it?

Metropolitan Casualty Insurance is the same as MetLife Auto insurance. To reach them, just dial 1-800-854-6011. However, it is usually easiest to file online or through their app.

In general, a regular agent can help you with the claim. If there are any issues, they can transfer you to a manager or another agent.

Metropolitan Group Property and Casualty Insurance Company Address

What if you are trying to file a claim through the mail? What is the address for MetLife Auto Insurance?

MetLife is a huge insurance company with several mailing locations. On occasion, you may need to send them mail as part of your claims process. However, you should start your claim online or over the phone.

After you have started the claim, your claims agent should provide you with the address you need.

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