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
This 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.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
Switch & Save Discount
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
Emergency Road Assistance Discount
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.
Deductible Savings Benefit
This discount 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.
12% Superior Driver Discount
You can earn up to 12 percent if you and every driver in your home has a great driving records.
20% MetRewards Discount
Save up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you have no claims or violations 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|
This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, 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
This app lets you securely access your account on the go. Use it 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. 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 tracking. It uses your smartphone to give the service provider your exact location. It will also 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.