Compare Travelers vs. MetLife Insurance

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Travelers and MetLife are a couple of the most top-rated companies in the auto insurance industry. They are also a couple of the oldest insurance companies, MetLife was founded in 1863, and Travelers was founded a year later in 1864. While Travelers is well liked for its flexible payment plans, and MetLife is well liked for its helpful and knowledgeable representatives.

However, MetLife has a habit of cancelling policies without notice, and Travelers has subpar customer service and online platform. Still, both of these 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

  Travelers MetLife
Best If Travelers
  • You need flexible payment plans or GAP coverage
MetLife
  • You want helpful, knowledgeable representatives
Worst If Travelers
  • You value customer satisfaction or a strong website
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Travelers MetLife
Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

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

Consumer Complaint Data

Travelers Car Insurance MetLife Insurance
2016 34 181
2015 46 333
2014 29 305
2013 165 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Travelers Car Insurance MetLife Insurance
A.M. Best A++ A+
Moody's Aa2 Aa3
S&P's AA A+

Mobile Apps

Travelers MetLife
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app 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

Travelers MetLife
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

MetLife

Contact Phone Number

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