Bristol West Car Insurance planted its roots in Florida in 1973. Through the years, it has evolved as a company, become a member of the Farmers Insurance Group and has grown to serve more than 19 million people in 42 states. The company is part of the Farmers Insurance Group of Companies, which is one of the largest car insurance companies in the country. <\/p>
It offers basic car insurance coverage, including minimum coverage and full coverage, as well as uninsured and underinsured motorists coverage. <\/p>
Bristol West specializes in high-risk auto insurance, so it may be a good option for drivers who struggle to get car insurance due to their credit-based insurance score, accident history or motor vehicle record.<\/p>
Hence, if you have bad credit or a poor driving record, Bristol West might be a good option for you. The company offers coverage to high-risk drivers, including those needing SR-22s. However, Bristol West has few endorsements and discounts, and its average premiums exceed the national average.<\/p>
For most drivers, Bristol West’s combination of expensive rates and poor customer satisfaction means you should consider other car insurance companies.<\/p>
However, Bristol West can be a good option for risky drivers who need a nonstandard insurance company because of a DUI or multiple accidents. Discounts and benefits are more generous at Bristol West than at a typical high-risk insurance provider, so drivers may find perks they can’t get elsewhere.<\/p>
When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what you\u2019re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. <\/p>
Alternatively, if you want extra protection, you may be interested in full coverage insurance. <\/p>
This coverage helps pay to repair the damage you directly cause to another person\u2019s vehicle or their property if you\u2019re at fault. It\u2019s required by law in most states.<\/p>
This coverage helps pay to repair damage to your vehicle if you\u2019re at fault in an accident that involves another vehicle or piece of property. It\u2019s required if you\u2019re financing or leasing your vehicle.<\/p>
This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, vandalism, crashing tree or fire.<\/p>
If you\u2019re at fault in an accident that injures a passenger of the other car, or pedestrian if another vehicle wasn\u2019t involved, this coverage will help to pay their medical bills, legal fees and loss of income.<\/p>
Whether you\u2019re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger\u2019s medical bills. Some states make this coverage mandatory.<\/p>
This is similar to PIP coverage in that it may help to pay for you and your passengers\u2019 medical bills if you\u2019re involved in an accident, whether you\u2019re at fault or not. It\u2019s different because MedPay is always optional.<\/p>
If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle\u2019s current worth and what you still owe on your auto loan.<\/p>
Whether you\u2019re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger\u2019s medical bills. Some states make this coverage mandatory.<\/p>
You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you\u2019re driving a rental car.<\/p>
This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn\u2019t have sufficient coverage.<\/p>
This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who\u2019s at fault doesn\u2019t have auto insurance.<\/p>
Depending on the state you live in, Bristol West also offers:<\/p>
Car insurance discounts from Bristol West vary by state. Depending on where you live, you may be able to save by:<\/p>
The company does not advertise how much you can save, but you can lower your rates with the following discounts.<\/p>
Bristol West receives more than four times as many formal complaints as an average company of its size, according to the National Association of Insurance Commissioners (NAIC).<\/p>
This means that Bristol West is one of the worst-performing subsidiaries of\u00a0Farmers Insurance, which generally has a good customer service reputation.<\/p>
Additionally, many customers are vocal online about the different types of problems they’ve had with Bristol West Insurance. Customers have shared issues with billing, claims, customer service, and more.<\/p>
However, Bristol West has a strong financial footing, earning an A rating from AM Best. This means that the company has “excellent” financial strength and is very likely to have enough funds to pay out its claims.<\/p>
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Clovered is licensed to sell and bind auto insurance policies from Bristol West Auto Insurance, so you\u2019re guaranteed to get a great price with them. Plus, their easy-to-use online quoting platform allows you to get an auto insurance policy entirely online.<\/p>
If you have any questions before, during, or after the quoting process, one of their many licensed agents is available to help with anything you need. You can give them a call Monday through Friday from 8:30 a.m. to 6 p.m. at\u00a0833-255-4117<\/a>\u00a0or email them at agent@clovered.com<\/a>. <\/p> Although car insurance can be expensive, there are many ways that you may be able to lower your rate. Here are some potential options for getting a cheaper car insurance premium:<\/p> Since the price of car insurance varies by insurer and each company has its own proprietary rating algorithm, your premium may vary greatly depending on the company you choose. To find the cheapest company for your specific circumstances, you may want to compare quotes across various carriers.<\/p> Most insurance professionals recommend comparing quotes for the same coverage types and limits across carriers to get the most accurate comparison.<\/p> Almost every insurance company offers discounts that might lower your premium. Some discounts are more significant than others. You may want to review the discounts each carrier offers when comparing quotes. Discounts are commonly available for being a good student, remaining claims-free, driving a car with strong safety ratings and bundling your insurance policies.<\/p> You may also qualify for a discount if you pay your premium in full, enroll in paperless billing or set up autopay.<\/p> There are many different types of car insurance coverage, and the more you have, the higher your insurance premium typically is. Higher coverage limits also typically increase your premium. If price is a concern, you may want to review your policy to ensure you\u2019re only paying for the coverage types that you need and check for duplicate coverage.<\/p> For instance, you might already have roadside assistance through your credit card provider.<\/p>More about Bristol West auto insurance<\/strong><\/h2>
How to save on car insurance<\/strong><\/span><\/h2>
Shop around and compare quotes<\/strong><\/h3>
Apply discounts<\/strong><\/h3>
Check your coverage<\/strong><\/h3>
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References<\/strong><\/span><\/h2>