Is Bristol West Insurance Legit? A Comprehensive Review
If you are looking for auto insurance, you may have come across Bristol West Insurance, a subsidiary of Farmers Insurance Group.
Bristol West Insurance claims to offer affordable and quality coverage, especially for high-risk drivers and those who need SR-22 certificates.
But is Bristol West Insurance legit? And is it a good option for your auto insurance needs?
In this article, we will review Bristol West Insurance.
By the end of this article, you will have a clear idea of whether Bristol West Insurance is legit and suitable for your needs.
What is Bristol West Insurance and what does it offer?
Bristol West Insurance is a company that specializes in providing auto insurance for high-risk drivers and those who need SR-22 certificates.
SR-22 certificates are documents that prove that you have the minimum liability insurance required by your state.
They are usually required for drivers who have been convicted of:
- DUI
- driving without insurance
- reckless driving
- other serious traffic violations
Bristol West Insurance offers the following types of auto insurance coverage:
- Liability: This covers the damages and injuries that you cause to others in an accident.
- Collision: This covers the damages to your own vehicle in an accident, regardless of who is at fault.
- Comprehensive: This covers the damages to your own vehicle caused by events other than an accident, such as theft, fire, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist: This covers the damages and injuries that you suffer in an accident caused by a driver who has no insurance or not enough insurance.
- Medical Payments: This covers the medical expenses that you and your passengers incur in an accident, regardless of who is at fault.
- Personal Injury Protection: This covers the medical expenses, lost wages, and other costs that you and your passengers incur in an accident, regardless of who is at fault. This coverage is only available in some states.
- Rental Reimbursement: This covers the cost of renting a car while your own vehicle is being repaired after an accident.
- Towing and Labor: This covers the cost of towing and labour services if your vehicle breaks down or is disabled.
Bristol West Insurance also offers some discounts and features that can help you save money and enhance your coverage, such as:
- Multi-car discount
- Good driver discount
- Prior insurance discount
- Paid-in-full discount
- Automatic payment discount
- Paperless discount
- Anti-theft device discount
- Defensive driving course discount
- Low mileage discount
- Loyalty rewards.
What are the pros and cons of choosing Bristol West Insurance?
Bristol West Insurance has some advantages and disadvantages that you should consider before choosing them for your auto insurance, such as:
Pros
- Affordable rates: Bristol West Insurance claims to offer cheap auto insurance for high-risk drivers and those who need SR-22 certificates by shopping your policy with many carriers to find you the best possible rates.
- Fast filing: Bristol West Insurance can electronically file your SR-22 certificate with the DMV within 15 minutes where allowed. This can help you avoid delays and penalties for not having your SR-22 insurance in place.
- Flexible payment options: Bristol West Insurance offers various payment options, such as monthly, quarterly, semi-annually, or annually. You can also choose from different payment methods, such as online, by phone, by mail, or in person.
- Online access: Bristol West Insurance allows you to access your policy, make payments, view your ID cards, report or view a claim, and more through their website or mobile app.
- Farmers Insurance Group: Bristol West Insurance is a part of Farmers Insurance Group, one of the largest and most reputable insurance companies in the United States. This means that you can benefit from the financial strength, stability, and resources of Farmers Insurance Group 1.
Cons
- Limited availability: Bristol West Insurance is not available in all states, and some states may have different requirements and regulations for auto insurance. You should check with your state’s DMV or Bristol West Insurance’s website to see if they can serve you in your location.
- Limited coverage options: Bristol West Insurance does not offer some types of auto insurance coverage that may be useful or required for some drivers, such as gap insurance, roadside assistance, or custom parts and equipment coverage.
- A high number of complaints: Bristol West Insurance has more than the expected number of complaints about auto insurance to state regulators, according to the National Association of Insurance Commissioners. Some of the common complaints are about poor customer service, billing issues, claim delays, or denial, and rate increases.
How to get a quote and purchase a policy from Bristol West Insurance?
Getting a quote and purchasing a policy from Bristol West Insurance is easy and fast.
You can get an instant quote online or by calling them at 888-888-0080.
You will need to provide some basic information about yourself, your vehicle, your driving history, and your coverage needs.
Bristol West Insurance will then search for the best rates from multiple carriers and offer you a policy that meets your needs and budget.
You can pay for your policy online or over the phone, and Bristol West Insurance will file your SR-22 certificate with the DMV as soon as possible.
You will receive a confirmation email and a copy of your policy documents and ID cards.
How to contact Bristol West Insurance for customer service and support?
If you have any questions, concerns, or issues with your policy, you can contact Bristol West Insurance for customer service and support.
You can call them at 888-888-0080 or email them at info@bristolwest.com.
You can also visit their website and use their live chat feature or fill out their contact form.
Bristol West Insurance’s customer service hours are:
- Monday to Friday from 8:00 am to 6:00 pm (local time)
- Saturday from 9:00 am to 2:00 pm (local time).
Conclusion
Bristol West Insurance is a legitimate company that specializes in providing auto insurance for high-risk drivers and those who need SR-22 certificates.
Bristol West Insurance has some benefits, such as:
- affordable rates
- fast filing
- flexible payment options
- online access
- Farmers Insurance Group
However, it also has some drawbacks, such as limited availability, limited coverage options, and a high number of complaints.
Therefore, you should do your research and compare your options before choosing Bristol West Insurance for your auto insurance needs.
Bristol West Insurance can help you get the coverage you need at a price you can afford.
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