American Access Casualty Company vs. Bristol West: Which Company is the Best Fit for You?

Wondering if American Access Casualty Company or Bristol West is the best auto insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, American Access Casualty Company offers significantly less expensive rates than Bristol West
  • American Access Casualty Company offers more affordable prices for people who are single and purchasing car insurance by yourself
  • Bristol West offers more discounts than American Access Casualty Company


American Access Casualty Company vs. Bristol West: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to American Access Casualty Company or Bristol West for your next policy, but which carrier has more affordable premiums for insurance?

American Access Casualty Company Bristol West
$279$412

As you can see, American Access Casualty Company has average rates that are about 30% per month cheaper than those from Bristol West when looking at the national average rates for car insurance.

However, that doesn't mean American Access Casualty Company will necessarily be more affordable than Bristol West for every driver. Auto insurance companies vary their prices depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and all sorts of other factors, so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both American Access Casualty Company and Bristol West by many different rate factors, so read on to find out which carrier is the best for you.

American Access Casualty Company or Bristol West: Average Car Insurance Rates by State

State American Access Casualty Company Bristol West
NV$279$567

American Access Casualty Company and Bristol West only compete against each other in Nevada, where American Access Casualty Company offers the cheaper average prices. For Nevada residents, undefined offers car insurance for undefined monthly on average. undefined's average rates come out to be more expensive, at undefined per month.

There are plenty of other factors that go into your insurance bill than just where you call home. Read on to find out more.


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Which is the Best Company For Young Drivers?

American Access Casualty Company Bristol West
18-year-old drivers$734$785
25-year-old drivers$227$357

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have American Access Casualty Company for their auto insurance pay more than $50 less than those who use Bristol West.

But both carriers will offer you dramatically lower prices by the time you turn 25. For example, average rates for American Access Casualty Company policyholders drop nearly 70% and Bristol West's premiums reduce almost 55% over that time.

Which is the Best Company for Retired Drivers?

American Access Casualty Company Bristol West
65+-year-old drivers$196$364

Drivers around retirement age normally enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

So, which company offers the best premiums to retired drivers? American Access Casualty Company gets the edge here, with average rates coming in at around $196 a month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

American Access Casualty Company Bristol West
Single$343$467
Married$195$338

Married drivers tend to get slightly less expensive car insurance premiums than single drivers. That's because policies for married policyholders normally cover more than one car, which quite a few companies will offer you a discount for.

When it comes to relationship status, American Access Casualty Company is the clear winner for those who are single, with prices about $124 a month cheaper than Bristol West, on average. The advantage for married couples with American Access Casualty Company is also obvious, where drivers save nearly $150 per month.

American Access Casualty Company vs. Bristol West: Average Rates by Gender

American Access Casualty Company Bristol West
Male$293$411
Female$265$412

Because men are more likely to get into accidents and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, insurance carriers will tend to charge men more than women.

With American Access Casualty Company, women generally pay around $30 a month less than men, but surprisingly, with Bristol West, women usually pay about $1 per month more than men.

When it comes to the lowest rates for each gender, American Access Casualty Company comes out on top for both men and women. On average, male drivers save about $118 a month and women save around $147 with American Access Casualty Company compared to the average Bristol West policyholder.


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American Access Casualty Company or Bristol West: Compare State Minimum vs. Full Coverage Rates

American Access Casualty Company Bristol West
State Minimum*$199$279
Full Coverage**$359$544

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. There are lots of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, American Access Casualty Company typically offers significantly more affordable prices of $199 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, American Access Casualty Company again has the edge, with policies about $200 per month less expensive than Bristol West, on average.

Is American Access Casualty Company or Bristol West Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher rates, but which carrier -- American Access Casualty Company or Bristol West -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company Bristol West
Clean Record$237$339
1 Speeding Ticket$260$439

American Access Casualty Company policyholders can expect their prices to go up an average of $23 a month if they get a ticket, while Bristol West usually raises rates around $100 per month, on average.

However, American Access Casualty Company is normally the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $102 a month and drivers with a ticket can save around $179 per month with American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company Bristol West
Clean Record$237$339
1 At-Fault Accident$332$479

American Access Casualty Company drivers who get in an accident can expect to see their prices rise by just under 30%, while those who have insurance through Bristol West will see about a 30% increase.

Overall, the cheaper premiums come from American Access Casualty Company, with monthly rates averaging $332 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

American Access Casualty Company Bristol West
Clean Record$237$339
1 DUI$288$390

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than a collision or speeding ticket. For example, Bristol West increases average premiums by over $50 a month -- that's just under a 15% increase.

If you have a DUI on your record and are looking for more affordable prices, American Access Casualty Company tends to be the much less expensive option with average rates of $288 per month compared to $390 from Bristol West.


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How does Credit Score Impact American Access Casualty Company and Bristol West Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for several policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

American Access Casualty Company Bristol West
Excellent Credit Score$279$342
Good Credit Score$279$380

Which Company is Best for Drivers with Bad Credit?

American Access Casualty Company Bristol West
Fair Credit Score$279$413
Poor Credit Score$279$556

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Is American Access Casualty Company or Bristol West Better for Drivers who Work from Home or Have Short Commutes?

American Access Casualty Company Bristol West
6,000 Annual Miles$279$410
12,000 Annual Miles$279$413

How much you drive can have a sizable impact on your monthly car insurance cost. Usually, the more miles you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a small difference in monthly premiums for Bristol West, with drivers who put 6,000 miles on their car annually paying around $3 less every month compared to those who drive 12,000 miles each year. Still, American Access Casualty Company is the more affordable option for drivers in both categories.

American Access Casualty Company vs. Bristol West: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

American Access Casualty Company Bristol West
Urban Areas$411$539
Suburban Areas$145$386
Rural Areas$282$309

American Access Casualty Company tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, American Access Casualty Company's average prices are about $411 per month compared to Bristol West's $539. People in suburban areas pay around $145 with American Access Casualty Company compared to Bristol West's $386 monthly. Those in rural areas can expect to pay about $282 a month with American Access Casualty Company compared to Bristol West's $309.

American Access Casualty Company vs. Bristol West Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

In the table below, we've taken a look at all of the different discounts American Access Casualty Company and Bristol West offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

American Access Casualty Company Bristol West
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Good Driving Discount
Homeowner Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount
Pay Plan Discount 
Prior Carrier Discount 
Prior Insurance Discount 
Renewal Discount 

Bristol West knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than American Access Casualty Company.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts -- but Bristol West also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a couple unique discounts of its own -- prior insurance discounts and renewal discounts.


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Final Thoughts: Is American Access Casualty Company or Bristol West Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right one for you and your specific needs?

American Access Casualty Company might be best for you if....

  • Your driving record contains an at-fault accident.
  • You're looking for more protection with "full coverage" auto insurance.
  • You don't spend much time in your car.


Bristol West might be best for you if...

  • You're looking for discounts -- Bristol West has the most.

We hope this guide helps you get a good idea of the differences between American Access Casualty Company and Bristol West. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just American Access Casualty Company and Bristol West. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.


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American Access Casualty Company vs. Bristol West FAQs

Is American Access Casualty Company or Bristol West cheaper?

Looking just at the national average rates, American Access Casualty Company is the cheaper of the two companies, offering average rates of $279 a month compared to $412 for Bristol West. Even so, American Access Casualty Company won't necessarily be the cheapest carrier for every policyholder, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Bristol West?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do American Access Casualty Company and Bristol West offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the prices they charge policyholders. Variables like where you live, age, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Bristol West calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if American Access Casualty Company or Bristol West is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be American Access Casualty Company or Bristol West at all!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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