Which Company Will Save You the Most Money?
Compare Rates From These Top Companies
Esurance and MetLife are both well-known insurance companies across the U.S. Esurance was founded in 1999, and MetLife was found more than a century earlier, in 1863. Esurance’s auto policies and coverage discounts are broad and extensive, so its a great company for customers seeking auto insurance, especially since its parent company, Allstate, is famous for auto insurance.
On the other hand, MetLife carries powerful financial strength and J.D. Power ratings, but it’s also received criticism for having a limited selection of driver discounts.
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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.
Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.
Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.
Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.
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.
|Bundling Coverage Discounts||Esurance||MetLife|
|Home and Car|
|Car and Life|
|Vehicle Type and Safety Features||Esurance||MetLife|
|Electronic Stability Control (ESC)|
|Farm or Ranch Vehicle|
|Driving Record and Insurance History||Esurance||MetLife|
|Accident Free/Good Driver|
|Long Term Policy Holder|
|Defensive Driving Course|
|Student, Professional, and Club Memberships||Esurance||MetLife|
|Organization or Club Membership|
|Farm Bureau Member|
|Days Per Week Driven|
|Paid in Full|
|Electronic Funds Transfer|
|55 and Retired|
|Overall Purchase Experience||Average||Below average|
|Policy Offerings||Average||Below average|
|Local Agent||Average||Below average|
|Call Center Representative||--||Below average|
|Insurer Website||Among the best||--|
|Overall Satisfaction||Below average||Below average|
|First Notice of Loss||Below average||Below average|
|Service Interaction||Below average||Below average|
|Repair Process||Below average||Below average|
|Rental Car Experience||Below average||Average|
|Settlement||Below average||Below average|
The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.
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.
Esurance Emergency Road Service coverage
Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.
Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.
Emergency Road Service is only eligible for Esurance covered vehicles.
Roadside Assistance Phone: 1 (888) 374-6472
Contact Phone Number
For roadside assistance, call our hotline: 1-800-854-6011.