GM offering one-year free insurance for certain models

Article by Christian Andrei, on July 7, 2011

General Motors is offering a pilot program in Oregon or Washington that offers one-year free insurance. All buyers in these two states are eligible, except for fleet customers. The models covered by this program are the new 2010, 2011 or 2012 Chevrolet, Buick, GMC or Cadillac cars, trucks or crossovers.

This program is expected to simplify the ownership process. Both liability and physical damage coverage are provided by this auto insurance.

In fact, it goes beyond the requirements in the two states. Chris Perry, U.S. vice president of General Motors Marketing, said that it aims to give residents at these states “another reason to discover Chevrolet, Buick, GMC and Cadillac vehicles.” He said that GM now has new products such as the Chevrolet Cruze, Buick Regal, GMC Terrain and Cadillac CTS Coupe that are more tempting as they’re offered with a year's worth of insurance.

MetLife Auto & Home is providing this insurance at no added cost but customers have to hurry since the offer is valid only until September 6, 2011. GM is monitoring the program at these two states, much like a pilot, to see if consumers will be attracted to it.

Drivers in Washington and Oregon are in for a treat as GM offers free car insurance with certain new models.

GM’s one-year free car insurance offer includes physical damage coverage as well as liability. Coverage actually exceeds the state requirements in Detroit and Washington.

Bill Moore, MetLife Auto & Home president, explains that the free car insurance improves the appeal of GM’s cars. According to Moore, this is because their policy is widely regarded as among the most comprehensive in the insurance industry. Moore also reveals that they have a new feature that involves car replacement, something that other insurance companies do not offer.

The car replacement feature protects new GM owners in an unparalleled way. If the car gets damaged within the first year or before clocking its first 15,000 miles, then MetLife Auto and Home will shoulder repair costs. In the event that it is no longer repairable, the insurance firm will replace the car. However, what really sets the MetLife Auto and Home offer is that it does not take depreciation into consideration. That means that unlike other insurance firms, you get the full amount without the miles driven deducted as out-of-pocket expenses.

GM’s free insurance offer covers the car as well as the driver for a full year starting on the purchase date. That includes anybody who has the owner’s permission to drive the car, provided that the buyer continues to own the car. Fleet cars or those that were bought for certain commercial undertakings are not eligible for the free insurance.

The carmaker is currently testing the waters when it comes to offering auto insurance as a standard feature for its cars. They are trying to see if it would motivate enough customers to choose their cars. The offer is only available in Washington and Oregon and new GM owners can renew their policies at the end of the year if they want.

For more information, go to:,,, or

About General Motors

General Motors is one of the biggest automakers in the world. General Motors started operating in 1908 and has its headquarters in Detroit, Michigan. The carmaker has 202,000 employees spread across every major region of the globe. It has worldwide presence in at least 120 countries. The company and its strategic partners have production facilities in 30 countries. Their portfolio of brands includes Cadillac, Buick, Baojun, Chevrolet, Opel, Jiefang, Wuling, GMC, Holden, Vauxhall, and Isuzu. China is the biggest national market for the carmakers, followed by Brazil, the UK, the United States, Canada, Germany, and Italy. Meanwhile, OnStar, a GM subsidiary, is the leader in the security, information services, and vehicle safety segments.

Press Release

GM Offers Auto Insurance as Standard Feature in Oregon and Washington

Drivers in Oregon and Washington who take delivery of a new 2010, 2011 or 2012 Chevrolet, Buick, GMC or Cadillac car, truck or crossover between today and September 6 will receive a one-year insurance policy from MetLife Auto & Home at no additional cost.

The offer is designed to streamline the car-buying experience and add value by addressing affordability – one of the bigger challenges facing many vehicle buyers today.

“We want to give residents of Oregon and Washington another reason to discover Chevrolet, Buick, GMC and Cadillac vehicles,” said Chris Perry, U.S. vice president of General Motors Marketing. “We have new products like the Chevrolet Cruze, Buick Regal, GMC Terrain and Cadillac CTS Coupe that are now even more appealing with a year’s worth of insurance.”

The auto insurance includes both liability and physical damage coverage and exceeds requirements in the two states.
“This offer enhances the vehicle’s value proposition because our policy is considered one of the most comprehensive in the industry,” said Bill Moore, president of MetLife Auto & Home. “Our new car replacement feature is a benefit not found in most auto policies.”

The policy covers the vehicle and anyone who drives it with the owner’s permission for a full year from the date of purchase, as long as the original purchaser continues to own or lease the vehicle. The policy is not available on vehicles purchased or leased for certain commercial or fleet purposes.

Under MetLife Auto & Home’s auto policy, if a new car is damaged beyond repair within the car's first year or first 15,000 miles, whichever comes first, MetLife Auto & Home will repair or replace the vehicle with a new vehicle, without deducting for depreciation. Many auto insurers subtract miles driven at the time a vehicle is damaged resulting in thousands of dollars in out-of-pocket expenses.

GM is testing auto insurance as a standard feature to determine consumer appeal. It is available only to Oregon and Washington residents with valid driver’s licenses who title their vehicle in those states. The vehicle owner can seek to renew the insurance at the end of one year or go elsewhere for coverage.

Complete program details and limitations are available at,, and

About General Motors: General Motors, one of the world’s largest automakers, traces its roots back to 1908. With its global headquarters in Detroit, GM employs 202,000 people in every major region of the world and does business in more than 120 countries. GM and its strategic partners produce cars and trucks in 30 countries, and sell and service these vehicles through the following brands: Baojun, Buick, Cadillac, Chevrolet, GMC, Holden, Isuzu, Jiefang, Opel, Vauxhall, and Wuling. GM’s largest national market is China, followed by the United States, Brazil, the United Kingdom, Germany, Canada, and Italy. GM’s OnStar subsidiary is the industry leader in vehicle safety, security and information services. More information on the new General Motors can be found at

Topics: gm, united states

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