GM Offering “Free” Car Insurance with Car Purchase

Buyers of expensive to insure models like the Chevrolet Corvette may get more value from the GM insurance promotion.

Buyers of expensive to insure models like the Chevrolet Corvette may get more value from the GM insurance promotion. (image by

While options such as OnStar and high-end entertainment remain on the menu for new car buyers in General Motors showrooms, the automaker has partnered with MetLife to throw in a “free” year of car insurance as a new feature for buyers in the Pacific northwest.

The promotion only applies to buyers in Oregon and Washington state of any new 2010, 2011 or 2012 GM model – Chevrolet, Buick, GMC and Cadillac – and includes cars, trucks and crossovers. The actual insurance policy includes liability, collision and comprehensive coverage. Buyers who decline the offer and select to purchase their own car insurance will receive no discount, other than any incentives or rebates available on the specific make and model they select.

According to MetLife, the policy features a “new car replacement” provision for any car that it totaled in the first 15,000 miles or first year of ownership. During this period of time, the included policy requires no deductible or other out-of-pocket costs for consumers, not even for the depreciation of the value of the automobile.

After the policy ends, consumers have the choice of either renewing with MetLife, or selecting their own insurer. According to the Insurance Information Institute (III), policyholders in Oregon pay an average of $727 annually for their auto insurance, while those in Washington pay an average of $840. The national average cost for auto insurance is $789 a year.

While General Motors has issued a statement claiming that the promotion looks to help combat the uninsured motorist issues plaguing the nation, plus to gauge the appeal of including insurance in the price of its automobiles, we’re convinced the real goal is to sell more cars. The company does not yet know if the promotion will be rolled out on a nationwide basis. For those in Oregon and Washington, the promotion runs through September 6, 2011.

About Cecil Helton

Cecil Helton Cecil Helton is a U.S.-based writer and editor with passions for cars, motorcycles, boats, technology and social media. Much of his professional life since 1996 has been web-centric, and he’s written and developed content on a variety of subjects. His work in the houseboat industry received wide acclaim, such as winning the 1999 Cisco Systems Growing with Technology award and being named one of five finalists in the manufacturing sector of the 2000 Computerworld-Smithsonian Awards. As an Air Force brat, he spent much of his childhood in a two-year cycle of moving to a new place, making new friends, establishing a life, and then moving again. Destinations included: Kentucky, Illinois, Texas, the Greek isle of Crete, California and Ohio. Today you’ll find Cecil coping with his 15 year old son’s decision to pursue a motorcycle license at the same time he gets his driver’s license, being active across the web on multiple social media sites, and of course, writing articles and creating content on automotive and car insurance related topics right here at

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