Compare Allied vs. MetLife Insurance

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A couple of the most trusted companies in the auto insurance industry is Allied and MetLife. MetLife was founded in 1863, and Allied was founded in 1929. Allied is preferred provider due to its practical insurance rates, while MetLife is a preferred provider due to its helpful representatives.

However, some MetLife customers disliked the lack of driver discounts and some Allied customers disliked the subpar customer service and difficult online payment system. Nonetheless, both companies have excellent J.D. Power rankings and excellent financial strength.

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

  Allied MetLife
Best If Allied
  • You want practical and affordable insurance rates
MetLife
  • You want helpful, knowledgeable representatives
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Allied MetLife
Allied

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • In the event that both your home and auto are affected, this feature allows you to only pay one deductible for a covered claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards provides you with even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you’re a driver with a good driving history, Allied doesn’t see a reason to penalize you if a small accident occurs. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. The Total Loss Deductible Waiver also makes it so that you don’t have to pay your deductible in the event that your car is totaled.
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 Allied MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allied 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 Allied MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allied MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Insurance MetLife Insurance
2016 4 181
2015 4 333
2014 3 305
2013 1 323

U.S. Auto Insurance Shopping Study (2016)

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

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

Allied Insurance MetLife Insurance
Overall Satisfaction Below average
First Notice of Loss Below average
Service Interaction Below average
Appraisal Average
Repair Process Below average
Rental Car Experience Average
Settlement Below average

Financial Strength Ratings

Allied Insurance MetLife Insurance
A.M. Best A+ A+
Moody's A2 Aa3
S&P's AA A+

Mobile Apps

Allied MetLife
Allied

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

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

Allied MetLife
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks, giving drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage that kicks in when you're more than 100 miles from home and gives you an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

MetLife

Contact Phone Number

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