Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and MetLife. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Two well-known names in the insurance world are Liberty Mutual and MetLife. Liberty Mutual is well liked because they provide car replacements after an accident, while MetLife is liked because of their helpful and knowledgeable representatives.
One thing to keep in mind is that MetLife lacks a variety of driver discounts, and Liberty Mutual lacks breakdown coverage and 24-hour customer support. Still, both companies have excellent 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 |
Liberty Mutual
|
MetLife
|
| Worst If |
Liberty Mutual
|
MetLife
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible. Exclusive Group SavingsLiberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company. |
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 | Liberty Mutual | MetLife |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | 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 | Liberty Mutual | MetLife |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | MetLife |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | MetLife |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | MetLife |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | MetLife Car Insurance | |
|---|---|---|
| 2016 | 160 | 181 |
| 2015 | 267 | 333 |
| 2014 | 235 | 305 |
| 2013 | 187 | 323 |
| Liberty Mutual Auto Insurance | MetLife Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Below average |
| Policy Offerings | Among the best | Below average |
| Pricing | Above average | Below average |
| Local Agent | Among the best | Below average |
| Call Center Representative | Above average | Below average |
| Insurer Website | Average | -- |
| Liberty Mutual Auto Insurance | MetLife Car 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 | Average | Average |
| Settlement | Average | Below average |
| Liberty Mutual Auto Insurance | MetLife Car Insurance | |
|---|---|---|
| A.M. Best | A | A+ |
| Moody's | A2 | Aa3 |
| S&P's | A | A+ |
|
Liberty Mutual
Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance. The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:
You can also use it to record details of your incident and get your claim process started. The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free. The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
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. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage Roadside Services covered
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
MetLife
Contact Phone NumberFor roadside assistance, call our hotline: 1-800-854-6011. |