End your policy by phone or email. But watch out for potential fees.
Leaving your current insurance provider to pursue a policy elsewhere can be an intimidating process. But knowing when and how to cancel your MetLife policy could help you avoid both a lapse in coverage and a penalty.
Metlife’s cancellation policy
MetLife doesn’t specify its official process for canceling a policy. Nor does it mention any cancellation fees you might face. Your best bet is to review your policy documentation to determine if it includes information about terminating your policy before the end of your term.
Customers online say that after canceling an auto policy with MetLife, they were billed for at least the next month’s premium. In some instances, MetLife offered to mail a refund, but it’s unclear how much this refund covered or even the process required to get one.
How do I avoid paying MetLife’s cancellation fees?
Keeping in mind MetLife’s lack of transparency about the cancellation process, potential fees may lurk in your policy’s fine print. If you see a fee mentioned, ask your MetLife agent how you might be able to avoid it.
The safest way to avoid cancellation fees with a provider is to wait until your policy’s term expires.
How can I cancel my policy?
MetLife allows you to pay premiums and monitor your account online, but you can’t cancel your policy online. To cancel your car insurance policy, you must call, email or visit a MetLife representative.
Info you’ll need to cancel your policy
In your written notice of cancellation, include:
- Your full name, address and phone number.
- Your MetLife policy number.
- The date and hour you’d like your coverage to end.
What’s the best way to cancel Metlife car insurance?
If you’ve found a stronger provider for your needs or otherwise want to cancel your policy immediately, your quickest option is to call MetLife. But prepare to wait on hold, as MetLife’s customer service has a reputation for being slow.
Cancel by phone
Cancel your policy by calling a representative toll-free at 800-422-4272.
You might be hit with a sales pitch from MetLife to get you to keep your current policy, so prepare for persistence.
Cancel by email
To avoid speaking with a representative, start the process of canceling your policy through MetLife’s secure online form:
- On MetLife’s website, click Contact Us. Then click Email Us.
- Enter your policy number and contact information as indicated. In the Question/Comment box, indicate that you’re interested in canceling your policy with MetLife, and add the date and time you’d like your policy to end.
- A MetLife representative will respond to your request within a day with next steps.
Cancel in person
If you live near a MetLife Auto & Home office, visit an agent in person to cancel your policy.
Find an agent near you through MetLife’s online agent search directory.
When is the best time to cancel or switch car insurance?
Unlike with other contracts, you have a right to cancel your car insurance policy at any time, even if you’re in the middle of a term. No matter your circumstance, it’s a good idea to have your new car insurance policy in place before you cancel.
A convenient time to cancel your policy is when it’s up for renewal. Canceling at the end of your term can help you avoid potential fees while ensuring a smooth transition to your new provider.
If you’re canceling because you’ve found a cheaper policy elsewhere, make sure that any potential fee you face for canceling your existing policy early doesn’t make it a wash.
Can I cancel at any time?
Yes. But deciding to cancel your policy doesn’t mean you can simply stop paying your premiums.
You must inform MetLife that you intend to cancel your policy and receive confirmation of the cancellation before moving on. Otherwise you could have a lapse in coverage or see higher future premiums from your next provider.
What should I consider before canceling my policy with Metlife?
When deciding whether to cancel your policy or wait out the term, here’s what to ask:
- Do you have a new policy in place? It’s illegal in most states to drive without auto insurance. When you’re ready to make the switch, make sure your new policy is in place first.
- Do you have upcoming plans for a new vehicle? If you’re considering switching up your set of wheels, you might want to hold off switching providers. The vehicle you choose will likely affect your rate.
- Where are you in your current policy term? You can switch at any time, but waiting until the end of your current term makes for an easier transition between providers, potentially saving you penalty fees.
Should I cancel or adjust my policy?
If you’ve had a poor experience with MetLife or simply want to take advantage of a stronger offer elsewhere, there’s nothing wrong with canceling your policy. However, you may not need to cancel your policy outright.
If you’re looking to save money, you might be able to adjust your current coverage with MetLife. That way, you’d keep any discounts you earned as a longtime customer.
Alternatives to Metlife
If you’re ready to leave MetLife, plenty of other providers can keep you covered.
- State Farm. This big-name provider not only offers nationwide coverage but boasts superior customer service.
- Esurance. This digital provider offers tech-savvy perks for members, such as a mobile app and 24/7 claims service.
- Geico. Military members, students and clean-slate drivers all enjoy discounts with this well-known national provider.
Compare car insurance providers
Switching insurance providers can be anything but straightforward. But it’s your right to take your business where you please.
If you’re ready to end your current policy with MetLife, compare new policies before calling or emailing to make the switch. Other car insurance providers might be able to offer the coverage you need at a cheaper rate.