Disclaimer: We are not Bristol West Insurance Company. This Bristol West Car Insurance Review is designed to help deliver unbiased information about Bristol West Car Insurance to help you decide if they are one of the top options for car insurance in the country.
This Bristol West Car Insurance Review is roughly a 5-min read.
Throughout our review, we will cover several essential aspects of the company, including rates, coverage options, and available discounts.
Additionally, in case you needed the ability to jump ahead in this post for specific information, we have provided links directly below to allow you to do so.
Here is what we intend to cover in this post.
- Our Bristol West Car Insurance Review
- Bristol Car Insurance Company History
- Bristol Financial Strength
- Bristol BBB Ratings and Complaints
- Bristol Car Insurance Coverages Offered
- Bristol Other Coverages Offered
- Cost of Bristol Car Insurance Coverage
- Who Should Consider Bristol Car Insurance?
- What Makes Bristol Car Insurance Unique?
- Rideshare Coverage with Bristol
- Pros of Choosing Bristol
- Cons of Choosing Bristol
- Final Thoughts on Bristol
In addition to reading our full review, we also wanted to present you with the opportunity to catch a 30-second overview of the company in case you may be in a hurry.
Here’s that quick overview for you.
Bristol Car Insurance Company is a part of the Farmers and Zurich Insurance Companies.
Bristol is not the most technologically advanced company, offers limited discounts and weak pricing for individuals who are safe drivers or who have excellent credit.
On the flip side, Bristol is backed by strong financial strength ratings and can be a last resort car insurance option for individuals who are struggling to get coverage with other providers.
In summary, if you can get approved for coverage elsewhere, you will likely save money on your car insurance, but if are struggling to get coverage, Bristol may very well be a great option to consider for your coverage.
That’s the fastest way to explain Bristol car insurance options and if you should consider them for coverage.
If, however, you need further information or details about the company to make your decision, we recommend you read our full review below.
Here’s what you should know.
Our Bristol West Car Insurance Review
Bristol West is part of the Farmers Insurance Group.
Originally, Bristol car insurance began by only offering car insurance coverage for private passenger vehicles in the state of Florida.
Bristol is currently considered as a high-risk car insurance provider that primarily markets to drivers who struggle to find car insurance coverage with other popular car insurance companies.
Bristol compared to other large and popular car insurance companies, is not nearly as cheap and likely isn’t going to be the best car insurance company you can choose in your area.
Bristol Car Insurance Company History
Bristol originally began back in 1973 and has slowly expanded into additional states.
Furthermore, Bristol has continued to expand the coverage options available to consumers and is currently available in a total of 42 U.S. States.
Bristol is currently only available using physical locations and by sitting down with a local agent.
For some consumers, this may be a preference but for most individuals, this may not be desirable as our economy continues to transition into a marketplace where consumers prefer the ability to purchase car insurance online or from the comfort of their own home.
Bristol Financial Strength
Financial strength is nothing to be concerned with when looking at Bristol Insurance Company.
A big reason for this is the fact that Bristol is backed and part of powerhouse insurance companies Farmers and Zurich’s.
Currently, Bristol is considered an “A” rated company by A.M. Best which is regarded as “excellent.”
Bristol BBB Ratings and Complaints
According to Bristol’s website, they state that they focus on delivering high-quality customer service.
However, the number of complaints they have yielded compared to other companies relative in size tells a different story.
Bristol currently yields more complaints than most of the other companies you have the option to work with.
Currently, according to the BBB, Bristol Insurance Company does have an A+ rating which is by no means a bad thing but in the last three years, has closed more than 700 complaints which is the highest we have seen during reviews in quite some time.
Additionally, according to consumer reviews on the BBB, Bristol currently only has a 1.5-star rating out of 5 possible stars that could be provided.
Clearly, when searching for the best possible car insurance, these should be somewhat alarming factors to consider before ultimately making your decision on who to choose for your coverage.
Bristol Car Insurance Coverages Offered
Most car insurance companies offer the same baseline coverages.
These car insurance coverage options offered by Bristol currently include the following options:
- Medical Payments (PIP)
- Liability Coverage
- Underinsured Coverage
- Collision Coverage
- Comprehensive Coverage
It’s typically the secondary and additional coverages offered by car insurance providers that make them stand out from the crowd.
Let’s dive into those options with Bristol.
Bristol Other Coverages Offered
When it comes to additional coverages offered by Bristol, the options are limited compared to other car insurance companies.
Here’s a look at those options.
Towing and Rental Reimbursement- Designed to cover towing expenses or rental car expenses that you encounter after an accident or while your vehicle is being repaired.
Custom Equipment Protection- Protects additional parts you have installed on your vehicles, such as wheels, security systems, or after-market sound equipment.
Nothing more to look at when it comes to additional coverages options with Bristol.
This is one of the disappointing aspects of the company, in our opinion.
Cost of Bristol Car Insurance Coverage
Bristol is not a car insurance provider that’s necessarily trying to compete for the lowest priced auto insurance in the market.
Therefore, unless you have unique circumstances, you don’t need to consider Bristol.
However, if you have poor credit, poor driving history, or anything along these lines, Bristol may be one of the limited options you have that you can look at.
Who Should Consider Bristol Car Insurance?
Only individuals who are struggling to get car insurance using other methods need to consider using Bristol for coverage.
They are not a competitive company for safe drivers or drivers who can be approved by other car insurance providers.
It’s that simple.
However, if you do fall into those categories, Bristol may very well be worth looking at.
What Makes Bristol Car Insurance Unique?
In our opinion, we aren’t necessarily a fan of Bristol auto insurance, but for some individuals, it makes sense.
As stated, several times throughout this post, Bristol is unique precisely because they are willing to insure poor drivers and drivers who struggle to get coverage with other popular car insurance companies.
Additionally, Bristol is a company not trying to keep up with the new technology evolving in the insurance industry.
Bristol currently doesn’t utilize any telematics tracking devices, offer and lucrative discounts or have a mobile-friendly app to use for tracking statements, coverage and insurance ID cards.
Rideshare Coverage with Bristol
Rideshare coverage for Uber and Lyft drivers is not something that Bristol car insurance currently offers and likely never will.
Companies such as Bristol who specialize in high-risk drivers do not tend to enter this market.
Pros of Choosing Bristol
Car insurance companies typically have some unique strengths and weaknesses.
Here is what we believe to be the most significant advantages of choosing Bristol car insurance.
- Great for High-Risk Drivers
- Great for Poor Credit Drivers
- Strong Financial Strength Ratings
Cons of Choosing Bristol
On the other hand, here is what we believe to be the most significant downfalls of choosing Bristol.
- Non-Competitive Pricing for Safe Drivers
- No Rideshare Coverage
- No Mobile Technology
Final Thoughts on Bristol
To sum things up, we always recommend running car insurance rates with as many car insurance providers as possible.
However, if you don’t particularly need the services of a car insurance company specializing in high-risk drivers and poor credit, you can likely skip even considering Bristol for your coverage.
Too many other excellent car insurance companies are available to choose from.
Best of luck in your search.