MetLife vs. Safeco Insurance

No, Safeco does not offer a specific low mileage discount. Safeco premiums do take mileage into account, however, as rates are an average of 24% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their Safeco premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage drivers, Safeco offers multi policy, multi-vehicle, and safety features discounts, among others.

It's also worth noting that Safeco has a usage-based insurance program called RightTrack, which can help low mileage drivers save money. RightTrack tracks mileage and other driving habits, saving policyholders up to 30%.

To learn more, check out WalletHub's guide to Safeco discounts.

The main Safeco NAIC number is 39012. Safeco's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Safeco's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need Safeco's NAIC number to report fraud or file an insurance claim, as well.

Although the main Safeco NAIC number is 39012, the NAIC has assigned a separate code for each of Safeco's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your Safeco insurance card. 

Safeco NAIC Numbers 

Safeco's NAIC number is not the same thing as the three-digit code assigned by each state's department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.

MetLife is rated A+ by AM Best, a credit rating agency that determines an insurance company's financial strength and ability to pay claims. MetLife also received a rating of 1.00 from the National Association of Insurance Commissioners (NAIC), meaning MetLife has an average number of consumer complaints.

MetLife Insurance Ratings

• AM Best: A+
• NAIC: 1.00
• BBB: C-
• Standard & Poor's: AA-
• Moody's: Aa3
• Average User Rating on WalletHub: 3.6/5

To learn more, check out MetLife's profile on WalletHub.

Safeco is owned by Liberty Mutual Group. Liberty Mutual Group is an American mutual insurance company headquartered in Boston, Massachusetts, and it has owned Safeco since 2008.

For more information, check out WalletHub's full Safeco review.

No, MetLife does not offer rideshare insurance anymore. MetLife no longer provides any kind of auto insurance coverage, since the company sold its home and auto insurance business to Farmers Insurance in April 2021.  

Current or prospective MetLife auto insurance policyholders can reach out to Farmers Insurance to ask about rideshare coverage, since Farmers does offer rideshare insurance. 

No, Safeco and Liberty Mutual are not the same company, though Safeco was purchased by Liberty Mutual in 2008. While the two companies are related and not completely independent of one another, Safeco still sells its own insurance policies.

Having Liberty Mutual as its parent company means that Safeco has strong financial backing and can focus exclusively on selling personal insurance policies. To learn more about these insurers, check out WalletHub's reviews for Safeco and Liberty Mutual.

The main MetLife NAIC number is 65978. MetLife's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With MetLife's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need MetLife's NAIC number to report fraud or file an insurance claim, as well.

Although the main MetLife NAIC number is 65978, the NAIC has assigned a separate code for each of MetLife's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your MetLife insurance card. 

MetLife NAIC Numbers 

Yes, MetLife does offer free towing for customers who have the company's roadside assistance coverage. MetLife roadside assistance generally costs $5-$7 per year and includes towing services up to $50 for basic plan subscribers. MetLife customers can request roadside assistance online, or they can call 1-800-854-6011.

MetLife Roadside Assistance Covers:

• Towing services up to $50 for basic plan subscribers
• Jump starts
• Flat tire change
• Lockout services
• Winching

While MetLife's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

A MetLife umbrella policy covers claims beyond the financial limits of an existing auto or home insurance policy. An umbrella policy from MetLife costs about $200 per year, and it can add $1 million to $5 million in additional liability coverage.

What MetLife Umbrella Policies Cover

• Damage, medical expenses, and lawsuit settlements if a guest is injured at your home
• Property damage you cause to others
• Liability exceeding your current limits

MetLife's umbrella policies are a good choice for customers with a high net worth who want extra coverage for property damage, injuries, and possible lawsuits that could result from various types of accidents. Umbrella policies may also cover claims that might not be covered by standard liability policies, like slander, libel, and psychological harm.

You can get a quote for MetLife umbrella insurance by calling (855) 206-8769. To be eligible, you will also need an auto policy from MetLife.

MetLife offers several discounts to customers with pet insurance policies. MetLife pet insurance discounts currently include savings for military members and first responders, healthcare workers, animal care providers and more. However, MetLife does not have discounts for other insurance customers, since the company no longer offers home or auto insurance, and discounts are generally not available for life or health insurance.

MetLife Pet Insurance Discounts

• Employer discounts
• Internet purchase discount
• Military, veteran, and first responder discount
• Healthcare worker discount
• Animal care worker discount

Discount availability may vary by state, but it's always worth checking with MetLife customer service to see what you can qualify for. You can call MetLife at 1 (800) 638-5433 to ask about discount availability.