How Do I Get Metlife to Lower My Rate?

One way you can cut your expenses is by getting your monthly auto insurance rate lowered. If you get your auto insurance through MetLife, you have a few different options. These include getting the MyJourney app, taking a defensive driving course, being a safe driver, getting your grades up, bundling your MetLife insurance policies, and more. Some options also let you lower other MetLife policy rates, such as renter's insurance.

Although MetLife is best known for its life insurance, it also offers auto insurance in all 50 states. If you are a MetLife auto insurance customer and want to lower your expenses, you can try to get the company to lower your payments. MetLife does not offer many discounts compared to other auto insurance providers, but there are a few things you can try that could earn you a discount.

Bring Your Grades Up

MetLife offers an auto insurance discount to college students who keep their GPAs high enough. If you are a college student with less than good grades, you could earn that discount by studying more and earning all Bs or better. All you have to do is send the company a copy of your grades.

Join an Association

MetLife offers special low rates to members of any of its partner associations. Contact a MetLife representative and ask about any associations that you might qualify for that offer this benefit.

Bundle Your Policies

If you have more than one vehicle you insure with MetLife, or if you also have MetLife home insurance, renters insurance, health insurance, or life insurance, you can easily qualify for a rate discount if you bundle your policies together. This will also make it easier for you to manage and make payments on your insurance.

Get Group Insurance

If you are a business owner and your business has one or more company vehicles, you can get group insurance on all of them. This could lower your rate by as much as 10%.

Get the MyJourney App

MetLife's MyJourney app is supposed to help you be a safer driver by having your phone monitor your driving and giving it a safe driving score, which is used to give you advice on how you can become a safer driver. Signing up for the app gets you a 10% discount, and if your safe driving score is high enough when you renew your insurance, that discount could shoot up as high as 30%.

Take a Defensive Driving Course

Ask a MetLife representative about the company's list of approved defensive driving courses. If you successfully complete one of these courses, you will get a discount.

Be a Safe Driver

This one won't help you with your monthly payments, but it can help you lower your deductible. For every year you have a policy with MetLife that you don't have an accident, the company will lower your deductible by $50, up to a maximum amount of $250, so drive safely.

Questions

To ask MetLife any questions you have about getting a lower rate, contact a MetLife customer service representative. You can reach one by phone, chat, email, and by help desk.

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