How To Cancel MetLife Auto Insurance (2024)
You can cancel MetLife auto insurance any time you want to, but there could be penalties. Canceling a MetLife policy early can result in what is called short-rating, and you might not get a full refund. It's a small cost to pay if you're paying too much on your MetLife auto insurance rates. It doesn't matter if you pay monthly or you've already paid your MetLife auto insurance in full. You can cancel MetLife whenever you want.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- MetLife is a life insurance company that sells auto, home, dental, and other insurance services.
- You can use MetLife’s online services webpage to cancel.
- It takes about five minutes to cancel your MetLife auto insurance policy.
If you’re ready to switch from MetLife to a new provider, you’ll need to know how to cancel MetLife auto insurance. You’ve come to the right place.
Our guide will explain how you can cancel your MetLife auto insurance policy and what you can expect during the cancellation process. You can use your MetLife auto insurance login online or reach out to MetLife customer service to cancel.
Continue reading to learn how to cancel your auto insurance with MetLife insurance. If you have general questions about this company, check out our MetLife auto insurance review for more information.
Before you cancel your Metlife auto insurance, get new coverage right now. Just enter your ZIP code in the FREE comparison tool above.
How to Cancel MetLife Auto Insurance
The universal method of canceling auto insurance is calling the auto insurance company and telling them you want to cancel. For MetLife auto insurance customers, you should contact MetLife customer service at (800) 638-5000. Ask to speak to a representative. Explain to the MetLife agent that you want to cancel and tell them when you wish to cancel.
The agent will likely go through a list of auto insurance discounts offered by MetLife to get you to reconsider. If you’re not interested, move on to discussing cancellation fees, the final date of coverage, and the new company you’re insured with. Also, they’ll ask if you’ve sold the car or if it’s totaled.
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Can you cancel your MetLife auto insurance policy at any time?
As a consumer, you’re welcome to cancel your auto insurance policy at any time. However, canceling your auto insurance in the middle of the agreed upon policy term comes with a penalty.
Watch this video for more details on canceling car insurance.
Penalties usually come in the form of short-rating of refunds or cancellation fees from the auto insurance company. Once you pay the cancellation fee or once your car insurance policy has expired, your business with the company will end.
Is there a fee to cancel MetLife auto insurance?
If you cancel your auto insurance before it expires, you may be subject to cancellation fees.
Cancellation fees vary; they may be $25 or more. Some companies issue something called a short-rate fee. A short-rate fee is a cancellation charge issued by the insurance company of a percentage of the policy’s balance (10% is common).
Can I cancel my MetLife auto insurance online?
MetLife Insurance Company is one of many insurance companies that allows you to cancel your auto insurance policy online. Use your MetLife Insurance login and visit the online services page to cancel your auto insurance policy. If you run into any problems, contact MetLife customer service to cancel.
If you are switching auto insurance companies, be sure to have a new auto insurance policy ready to go before you cancel. Start shopping for another auto insurance company by using our FREE comparison tool. Enter your ZIP code to find cheap auto insurance in your area.
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How do I cancel my MetLife auto insurance coverage?
If you don’t want to cancel your auto insurance policy but want to cancel a coverage option instead, repeat the same process. Contact MetLife customer service and let them know that you wish to cancel a specific coverage on your car insurance policy.
Liability auto insurance usually carries the most expensive rates, but it can vary based on your commute, where you live, and other factors.
Getting comprehensive insurance and collision insurance coverage (referred to as full coverage auto insurance when combined together with liability) will ensure you’re fully protected, but it’s probably not necessary on older, low-value vehicles.
Will I get a refund if I cancel my MetLife auto insurance?
You can receive a refund when you switch insurance if you’ve paid for your car insurance policy in full. However, you may not receive a full refund if you’ve received insurance services. In other words, your auto insurance company will only reimburse you for the months you didn’t use. Any cancellation fees will also be deducted from your refund.
You can also receive a refund if you change your mind and cancel within 14 days of getting your auto insurance policy.
According to the Federal Trade Commission, the 14-day cooling-off period is known as Buyer’s Remorse.
Buyer’s Remorse is usually three days. However, insurance contracts have a cooling-off period that lasts up to 14 days, so you can still receive a refund for auto insurance if you cancel within two weeks.
Can I cancel my MetLife auto insurance if I pay monthly?
Even if you pay monthly, you can still cancel your auto insurance policy like any other policy. Paying monthly installments doesn’t disqualify you from canceling your car insurance policy at any time.
If you’re going to cancel your Metlife car insurance, make sure to get another auto insurance policy ready. Find car insurance options in your area by entering your ZIP code in the FREE quote tool below.
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How to Cancel MetLife Auto Insurance: The Bottom Line
MetLife auto and home insurance are both just as reliable as its life insurance products. MetLife life insurance quotes online are easy to get. If you need a MetLife individual life insurance policy, the most accurate quote can be found on the company’s website.
Your MetLife auto insurance rates may more expensive than average because of where you live or because of infractions on your driving record. If it’s too costly, start looking for another auto insurance company to meet your needs.
Before you process your MetLife cancellation, make sure you have new coverage in place. Compare auto insurance companies in your area by entering your ZIP code in the FREE online quote tool below.
Frequently Asked Questions
Can I cancel my MetLife Auto Insurance policy at any time?
Yes, you have the right to cancel your MetLife Auto Insurance policy at any time. However, it’s important to review your policy terms and conditions for any specific cancellation requirements or potential penalties.
What is the process for canceling my MetLife Auto Insurance policy?
To cancel your MetLife Auto Insurance policy, follow these general steps:
- Review your policy: Familiarize yourself with the terms and conditions of your policy, particularly the cancellation provisions.
- Contact MetLife: Reach out to MetLife’s customer service department by phone or through their online portal to initiate the cancellation process. Be prepared to provide your policy details and identification information.
- Provide cancellation request: Clearly communicate your intention to cancel the policy and the effective date for cancellation. MetLife may require a written request or provide specific instructions for cancellation.
- Return any required documentation: If MetLife requests any documents related to the cancellation, such as a signed cancellation form, make sure to provide them promptly.
- Confirm cancellation details: Request confirmation of the cancellation, including the effective date, any applicable refunds, and any potential outstanding balances or fees.
- Update payment arrangements: If you have automatic payments set up, make sure to cancel or update them accordingly to avoid any future charges.
Are there any penalties or fees for canceling my MetLife Auto Insurance policy?
Depending on your policy and state regulations, there may be penalties or fees associated with canceling your MetLife Auto Insurance policy. Review your policy documents or contact MetLife directly to understand any potential costs involved in canceling your policy.
Will I receive a refund if I cancel my MetLife Auto Insurance policy before it expires?
In most cases, if you cancel your MetLife Auto Insurance policy before it expires, you may be eligible for a refund of the unused premium. However, the refund amount can vary based on the policy terms and the timing of the cancellation. It is recommended to contact MetLife directly to discuss the specifics of your policy and any potential refund.
Can I cancel my MetLife Auto Insurance policy online?
MetLife provides an online portal for policyholders, which may offer the option to cancel your auto insurance policy. Log in to your account on the MetLife website and navigate to the appropriate section to initiate the cancellation process. If you encounter any difficulties or prefer to cancel by phone, you can always contact MetLife’s customer service for assistance.
How long does it take to process a cancellation request with MetLife Auto Insurance?
The time it takes to process a cancellation request with MetLife can vary. It is advisable to contact MetLife’s customer service directly for an estimate on the processing time. They will be able to provide you with the most accurate information regarding the cancellation process and timeline.
Can I cancel my MetLife Auto Insurance policy mid-term?
Yes, you can cancel your MetLife Auto Insurance policy mid-term. However, depending on your policy and state regulations, there may be certain conditions or fees associated with canceling before the policy’s expiration date. Review your policy documents or contact MetLife for specific information on mid-term cancellations.
Will canceling my MetLife Auto Insurance policy affect my credit score?
Canceling your MetLife Auto Insurance policy should not directly impact your credit score. However, it’s important to note that maintaining a lapse in insurance coverage or a history of frequent policy cancellations can potentially impact your future insurance rates and eligibility. It’s generally advisable to have continuous auto insurance coverage to maintain a good insurance history.
Can I cancel my MetLife Auto Insurance policy if I still have an outstanding claim?
Generally, you can cancel your MetLife Auto Insurance policy even if you have an outstanding claim. However, it’s important to understand that canceling the policy will not absolve you of any obligations or responsibilities related to the existing claim. The claim will be handled based on the terms and conditions of the policy at the time the incident occurred.
How can I contact MetLife to cancel my auto insurance policy?
You can contact MetLife’s customer service in various ways:
- Phone: Call MetLife’s customer service hotline, which can be found on their official website or your policy documents, and request assistance with canceling your auto insurance policy.
- Online: Log in to your MetLife online account, navigate to the appropriate section, and follow the instructions to initiate the cancellation process.
- In-person: If there is a MetLife branch office near you, you may visit in person and speak with a representative to cancel your policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.