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GM Experiments with Free Auto Insurance

For the next month, car buyers in two states will get something extra when purchasing a new General Motors vehicle: free insurance. Provided by MetLife, a one-year insurance policy will come standard on all new 2010, 2011 or 2012 Chevrolet, Buick, GMC and Cadillac vehicles purchased in Oregon and Washington by September 6.

According to General Motors, the offer is an experiment designed to determine consumer appeal. The automaker hopes it will help streamline the car-buying process and reduce the rapidly rising costs of new car ownership – not unlike free maintenance programs offered by several manufacturers.

“We want to give residents of Oregon and Washington another reason to discover Chevrolet, Buick, GMC and Cadillac vehicles,” said Chris Perry, General Motors’ US vice president of 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.”

More appealing still are the terms of the insurance policy. Not only does the program include both liability and physical damage coverage, it also features MetLife’s new car replacement program. Under the program, any new car damaged beyond repair in the first year or 15,000 miles will be replaced with a new vehicle without deducting for depreciation.

“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 and Home. “Our new car replacement feature is a benefit not found in most auto policies.”

But don’t get any ideas about travelling to Oregon or Washington just to take advantage of the limited-time offer. According to GM, the free insurance is only available to Oregon or Washington residents with a valid driver’s license who will title their vehicle in those states. At the end of the one-year term, GM says drivers can choose to either renew the policy or go elsewhere for coverage.

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