Bristol West car insurance coverage
Bristol West offers standard coverage types, plus some add-ons.[2]
Liability insurance: If you cause an auto accident, this coverage pays the other driver for property damage and bodily injuries they sustain. Liability coverage helps protect you financially if someone sues you for your involvement in an accident. States typically require you to purchase a minimum amount of liability coverage.
Comprehensive insurance: This protects you in case your car is stolen, vandalized, or damaged by bad weather or a natural disaster. Lenders often require this coverage if you have an auto loan. This type of coverage only pays up to your car’s current market value, which could be quite a bit less than what you paid for it.[3]
Collision insurance: If you hit another vehicle or an object, this coverage pays for your car repairs.[4] It’s often mandatory if you’re financing your car.
Uninsured/underinsured motorist coverage: This insurance type covers you if an uninsured or underinsured driver causes an accident.
Rideshare coverage: If you use your car for ridesharing or deliver for Uber Eats, some of your time on the road might not be covered by either your personal auto policy or a separate rideshare company’s insurance. This coverage helps fill that gap. Bristol West offers this coverage as an optional endorsement.
Rental reimbursement: Bristol West will pay you $50 a day for up to 30 days if you need to rent a car after a claim.
Medical payments: This provides reimbursement for up to $10,000 in medical bills resulting from a car crash.
Trailer physical damage coverage: You can get liability coverage for a trailer you’re hauling with an insured car.
Roadside service: The insurer pays for roadside help and for your car to be towed, up to a set limit.
How to get a Bristol West car insurance quote
Bristol West allows you to request a quote online. First, you’ll need to enter your ZIP code before providing your name, birthdate, and address. You’ll also need to fill out information about your vehicles and the drivers you want to insure and select the discounts you qualify for. The company may also check your credit report before generating a quote.
You can also call 1 (888) 888-0080 to reach the customer service line or use the online directory to find an agent’s phone number or email address.
Alternatively, you could use a quote-comparison site like Insurify to compare offerings from multiple insurers. You’ll enter your information once to see quotes from several insurers side by side.
Bristol West car insurance cost by state
How much coverage you’re required to purchase varies by state. Car insurance costs also differ by location because some areas have higher rates of accidents, theft, and other covered events.[5] Factors like population density and typical climate also influence costs. See the average monthly rates for full-coverage insurance in the following states below.
Actual quotes may vary based on the policy buyer's unique driver profile.
Bristol West auto insurance rates by driving history
Like other insurers, Bristol West looks at your driving history before deciding whether to sell you a policy. You have a better chance of qualifying and receiving affordable rates if you have a clean record than if you have traffic violations, collisions, or DUIs on your record.
Bristol West insures drivers with challenging records, but the company charges significantly higher premiums in those cases.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bristol West car insurance cost by age
Your age can also affect your car insurance rates because your driving experience influences your odds of getting in an accident. Teenagers and young adults are more likely to get in an accident than older, more experienced motorists.
For example, an 18-year-old pays an average of $721 a month with Bristol West, but the average premium drops to $392 for a 25-year-old. From there, rates gradually fall for customers at older ages. Drivers in their 60s and 70s pay an average of $294 and $292, respectively.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bristol West car insurance discounts
If you qualify for a discount, you could earn a lower premium. Bristol West offers a few ways for eligible drivers to save money with discounts tied to some of your decisions:
Automatic payments: Linking a bank account or credit card to your account and setting up automatic payments can reduce your premium. And, with autopay set up, you don’t have to worry about forgetting a payment.
Paperless communication: Opting out of paper mail and viewing documents online or on the insurer’s app can lower your costs.
Driving record: Avoiding traffic violations can also help you earn better rates.
Up-front premium payment: Paying your annual premium in full or making installment payments at least a month before they’re due may trim fees off your bill.
See More: Car Insurance Discount Guide
Bristol West Insurance bundling options
With some insurers, you can save money by buying different types of insurance with the same company or insuring several vehicles at once. Bundling and multi-policy discounts provide loyalty savings to policyholders.
Bristol West only offers auto coverage, so it doesn’t directly offer bundles for home and car insurance together. However, other members of the Farmers Insurance Group of Companies offer multiple types of policies, including home insurance and life insurance. You may earn a discount if you buy more than one policy through Bristol West, Farmers, or Foremost.
