Compare AAA vs. MetLife Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

Both AAA and MetLife are big names in the insurance world. MetLife was founded in 1863, while AAA was founded in 1902. AAA is a preferred provider due to its roadside assistance service, while MetLife is a preferred provider due to its helpful and knowledgeable representatives. However, MetLife’s claims process could be simplified, and AAA sometimes lacks timeliness when it comes to assisting drivers stranded on the side of the road.

Still, both companies have excellent J.D. Power and financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA MetLife
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
MetLife
  • You want helpful, knowledgeable representatives
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

AAA MetLife
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA MetLife
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance MetLife Insurance
2016 181
2015 333
2014 305
2013 323

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance MetLife Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Below average
Pricing Average Below average
Local Agent Average Below average
Call Center Representative Above average Below average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance MetLife Insurance
Overall Satisfaction Above average Below average
First Notice of Loss Above average Below average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Among the best Below average
Rental Car Experience Above average Average
Settlement Above average Below average

Financial Strength Ratings

AAA Car Insurance MetLife Insurance
A.M. Best A+ A+
Moody's -- Aa3
S&P's A A+

Mobile Apps

AAA MetLife
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

AAA MetLife
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.