Metropolitan Direct Property and Casualty Insurance: Is It Right for You?

Finding the right home and auto insurance can be a challenge. With so many options to choose from, it’s tough to know which company truly offers the best value and service. One provider I often see recommended is Metropolitan Direct Property and Casualty insurance. But who is Metropolitan Direct? And are their policies a good choice for protecting your home, vehicles, and more?

In this comprehensive guide, I’ll provide an in-depth look at Metropolitan Direct insurance. I’ll cover their history, financial strength, available coverages, costs, discounts, and customer service reputation. By the end, you’ll know if Metropolitan Direct is the right property and casualty insurer for your needs.

Overview of Metropolitan Direct Property and Casualty Insurance

Metropolitan Direct is the online division of MetLife Auto & Home. They provide direct-to-consumer personal lines insurance policies in 40+ states.

Policies from Metropolitan Direct include:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Umbrella insurance

One major advantage is that Metropolitan Direct is backed by MetLife. As one of the largest global insurance providers, MetLife has exceptional financial strength and an AM Best rating of A++ (Superior) This gives Metropolitan Direct policyholders peace of mind

What Types of Discounts Does Metropolitan Direct Offer?

To help keep rates affordable Metropolitan Direct offers a range of common discounts

• Multi-policy discount – For bundling home and auto insurance
• Good driver discount – For a clean driving record
• Anti-theft device discount – For cars with anti-theft devices installed
• Safety feature discount – For airbags, antilock brakes, daytime running lights
• Defensive driver discount – For completing an approved course
• Good student discount – For full-time students under 25 with a B average or higher

On average, Metropolitan Direct customers enjoy savings of up to 10% by combining eligible discounts

How Do Rates from Metropolitan Direct Compare?

Metropolitan Direct aims to provide competitive rates to drivers. Here are a few data points on their auto insurance pricing:

• Average annual full coverage car insurance rates are $1,592
• Drivers with a recent at-fault accident pay 76% more on average
• Raising your comprehensive and collision deductibles to $1000 could save up to 30%

Of course, your actual Metropolitan Direct car insurance premium will depend on factors like your driving history, vehicle, coverage, and location. I recommend comparing quotes to find the best rate.

Does Metropolitan Direct Have Decent Customer Service?

Quality customer service is crucial when choosing an insurance provider. Based on online reviews and third-party ratings, Metropolitan Direct offers policyholders:

• Helpful and knowledgeable insurance agents
• Short call wait times
• A smooth quote and sign-up process
• Prompt claims processing and fair payouts

Metropolitan Direct also has an A+ rating and accreditation from the Better Business Bureau. This further demonstrates their commitment to satisfying customers.

Who Might Benefit Most from Metropolitan Direct Insurance?

Metropolitan Direct policies stand out for drivers who:

• Qualify for multiple discounts to get lower rates
• Want the financial backing of a major insurer like MetLife
• Prioritize quality customer service and support
• Seek comprehensive coverage for home, car, umbrella, and more

Just keep in mind that Metropolitan Direct insurance is only available in certain states. And while they offer most standard coverages, they do not provide flood or earthquake insurance.

The Bottom Line – Metropolitan Direct Delivers Value

After reviewing Metropolitan Direct insurance products, discounts, rates, and reputation, they prove to be a leading choice for auto, home, and umbrella protection. Policyholders benefit from competitive pricing along with MetLife’s exceptional financial strength and customer service.

While not the cheapest or most basic insurer, Metropolitan Direct hits the sweet spot of providing quality coverage at an affordable cost. Drivers and homeowners who want a reputable insurance provider they can rely on should absolutely consider getting a free quote from Metropolitan Direct.

To recap the key highlights:

Pros

• Backed by highly-rated MetLife
• Wide range of policy discounts
• Convenient online quotes and policy management
• Positive customer service reputation
• Bundles available for home & auto insurance

Cons

• Not available in all states
• No options for flood or earthquake coverage
• Doesn’t offer the absolute lowest rates

Overall, Metropolitan Direct gives you the security of a leading national insurer along with direct-to-consumer convenience and savings. For protecting your home, vehicles, liability, and more, Metropolitan Direct insurance is definitely worth considering.