Comparing quotes is the best way to get the lowest rates from top insurers like AAA and MetLife. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Both AAA and MetLife are big names in the insurance world. AAA is a preferred provider due to its roadside assistance service. MetLife is a preferred provider due to its helpful and knowledgeable representatives. However, MetLife’s claims process could be simplified. And AAA sometimes lacks timeliness when it comes to assisting drivers stranded on the side of the road.
Still, both companies have excellent J.D. Power and financial strength ratings. So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
AAA
|
MetLife
|
| Worst If |
AAA
|
MetLife
|
|
AAA
Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:
|
MetLife
Deductible Savings BenefitThis 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 DiscountYou can earn up to 12 percent if you and every driver in your home has a great driving records. 20% MetRewards DiscountSave 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 | AAA | MetLife |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AAA | 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 | AAA | MetLife |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AAA | MetLife |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AAA | MetLife |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AAA | MetLife |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| 2016 | 181 | |
| 2015 | 333 | |
| 2014 | 305 | |
| 2013 | 323 |
| AAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Below average |
| Policy Offerings | Average | Below average |
| Pricing | Average | Below average |
| Local Agent | Average | Below average |
| Call Center Representative | Above average | Below average |
| Insurer Website | Average | -- |
| AAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Below average |
| First Notice of Loss | Above average | Below average |
| Service Interaction | Above average | Below average |
| Appraisal | Average | Average |
| Repair Process | Among the best | Below average |
| Rental Car Experience | Above average | Average |
| Settlement | Above average | Below average |
| AAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A+ |
| Moody's | -- | Aa3 |
| S&P's | A | A+ |
|
AAA
AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here. AAA eTourBook Guides provide members with great travel information for top travel destinations in the US. |
MetLife
MetLife US AppThis 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. |
AAA
AAA Roadside AssistanceAAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time. ERS offers the following roadside services:
Contact Phone NumberWhen you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:
|
MetLife
Contact Phone NumberFor roadside assistance, call our hotline: 1-800-854-6011. |