Compare The General vs. MetLife Insurance

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The General and MetLife are fierce competitors in the insurance industry. MetLife was founded in 1863, 100 year before The General, which was founded in 1963.While, MetLife provides helpful and knowledgeable representatives, but lack a smooth follow-through process with agents.

On the other hand, The General provides high-risk drivers with affordable insurance rates, but customers have complained about the customer service. Still, both of these companies are rated as being financially strong.

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

  The General MetLife
Best If The General
  • You don’t have a perfect driving record but still want affordable insurance rates
MetLife
  • You want helpful, knowledgeable representatives
Worst If The General
  • You want good customer service and consistency
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

The General MetLife
The General 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 The General MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features The General 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 The General MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships The General MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances The General MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts The General MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

The General Insurance MetLife Insurance
2016 13 181
2015 14 333
2014 3 305
2013 4 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

The General Insurance MetLife Insurance
A.M. Best A- A+
Moody's -- Aa3
S&P's -- A+

Mobile Apps

The General MetLife
The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

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

The General MetLife
The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service
MetLife

Contact Phone Number

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