Bristol West vs. Cig: Which Company is the Best Fit for You?

Quick Facts

• In general, Cig offers significantly cheaper prices than Bristol West
• Cig tends to be a much more affordable option for policyholders who live in urban areas
• Cig offers less expensive average premiums for drivers with a DUI

Bristol West or Cig: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might be considering Bristol West or Cig as potential options, but which carrier will offer you cheaper rates?

As you can see, Cig has average rates that are around 70% a month less expensive than those from Bristol West when looking at the national average rates for insurance.

However, that doesn't mean Cig will necessarily be more affordable than Bristol West for each driver. Car insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and all sorts of other factors. So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Bristol West and Cig by a range of different rate factors, so read on to find out which company is the best for you.

Bristol West vs. Cig: Average Car Insurance Rates by State

Bristol West and Cig only compete against each other in one states, with Cig offering less expensive prices to the average driver in all of them. California has the most noticable difference, where Cig premiums are $50 cheaper than insurance prices at Bristol West.

There are plenty of other factors that go into your auto insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. It's typically because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 70% less per month by choosing Cig over Bristol West.

That being said, with both companies, you'll see your rates drop significantly once you turn 25. Cig offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Bristol West's average premiums decrease almost 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

When looking at Bristol West and Cig specifically, which carrier is best for retired drivers? Cig gets the edge, with premiums for drivers 65 and older more than 75% more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single drivers than they are for married drivers? That's usually because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with Cig rates coming in at about 70% less than Bristol West's. The advantage for married policyholders with Cig is also obvious, where drivers save around $250 a month.

Bristol West or Cig: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will generally end up paying a little more.

Surprisingly, with Bristol West, men typicallypay about $1 per month less than women, and around $4 with Cig.

When it comes to the most affordable premiums for each gender, Cig comes out as the lowest option for both genders, with average rates $290 less for men and $295 cheaper for women.

Bristol West vs. Cig: Compare State Minimum vs. Full Coverage Rates

*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.

Car insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly premiums coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging about $166 a month to Bristol West's $544.

Is Bristol West or Cig Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher prices, but which company -- Bristol West or Cig -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their car insurance can usually expect their monthly bill to go up around 23% after getting a speeding ticket. Cig policyholders can expect a less drastic increase of about 21%.

However, Cig has less expensive rates for drivers in both categories. With CIG Insurance, drivers with a clean record can save around $251 per month and drivers with a ticket can save about $327 a month.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in a collision can expect to see their prices increase by just under $150, while those who have insurance through Cig will see around a $30 increase.

At the end of the day, the more affordable rates come from Cig, with average premiums coming in at $118 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or speeding ticket. On average, Cig will raise your prices about 44% after a DUI, while Bristol West's average premiums rise by nearly 15%.

But if you end up with a DUI charge and are looking for more affordable rates, Cig tends to be cheaper for the average driver, with monthly premiums coming in at around $157 to Bristol West's $390.

How does Credit Score Impact Bristol West and Cig Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance prices. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it might come into play for several policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

So, which carrier offers the most affordable premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Cig will normally reward you the most. For drivers with "excellent" credit scores, Cig comes in more than 77.19 cheaper. Drivers with "good" credit scores usually save about 75% with Cig compared to average prices from Bristol West.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Bristol West when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 71% per month less with Cig compared to Bristol West, and those with "poor" scores generally save an average of about 69% a month.

Is Bristol West or Cig Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Cig tends to be the more affordable option. Bristol West average rates for drivers with 6,000 annual miles come in around $297 more expensive than Cig. Those who drive 12,000 miles annually can expect to pay about $288 more with Bristol West over Cig.

Bristol West or Cig: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a large impact on your monthly auto insurance cost. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the road where they live, which decreases the chances of an accident.

Cig boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, CIG Insurance's average rates are around $411 less than Bristol West. People who live in suburban areas pay about $263 less with Cig compared to Bristol West. Those in rural areas can expect to save around $203 with Cig compared to Bristol West.

Bristol West vs. Cig Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Bristol West and Cig so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Cig knocks Bristol West out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Bristol West.

There are a couple discounts both carriers offer, but Cig also offers discounts for company car, employee discount, good payer, and more.

On the other hand, Bristol West has a few proprietary discounts of their own for things like continuous insurance discounts, EFT discounts, minor child discounts, and more.

Final Thoughts: Is Bristol West or Cig Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which company is the right company for you and your specific driver profile?

Cig might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best prices on liability only coverage.
• You've started working from home and don't have much of a commute.

Bristol West might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Bristol West and Cig. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Bristol West and Cig. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Bristol West vs. Cig FAQs

Is Bristol West or Cig cheaper?

Cig is the cheaper of the two carriers when looking at national average premiums, with policies averaging $119 a month with Cig and $412 for Bristol West. But that doesn't mean Cig will be the lowest carrier for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Cig?

Unfortunately, the answer truly is "it depends.". No single company is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Bristol West and Cig offer me different rates?

Car insurance companies use lots of different factors when determining the rates they charge. Variables like age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Bristol West and Cig use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Bristol West or Cig is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Bristol West or Cig at all, but another you hadn't even thought of!

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.