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

Quick Facts

• In general, Integon National offers significantly cheaper premiums than Bristol West
• Integon National has more affordable prices for policyholders who are looking to purchase insurance with a spouse
• Integon National offers more affordable rates for drivers who have a speeding ticket on their driving record

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Bristol West or Integon National for your next policy, but which company will save you the most?

As you can see, Integon National is quite a bit cheaper than Bristol West, with premiums averaging $218 a month compared to $412 with Bristol West when looking at the national average rates for auto insurance.

But that doesn't mean Integon National will necessarily be less expensive than Bristol West for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so prices will vary quite a bit from person to person.

So, if you want to find out which of Bristol West or Integon National is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Bristol West vs. Integon National: Average Car Insurance Rates by State

Bristol West and Integon National only compete against each other in one states, with Integon National offering cheaper premiums to the average driver in all of them. California has the most noticable difference, where Integon National prices are $71 more affordable than insurance rates at Bristol West.

There are plenty of other factors that go into your auto insurance bill than just the state you live in. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Integon National for their insurance pay almost 30% less than those who use Bristol West.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average rates for Bristol West policyholders decrease around $450 and Integon National's prices reduce nearly $400 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Integon National gets the edge here, with average premiums coming in at about $170 monthly compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having multiple vehicles on their policy -- something several auto insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Integon National prices coming in at around half of Bristol West's. The advantage for married policyholders with Integon National is also obvious, where drivers save almost 55% per month.

Bristol West or Integon National: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

Surprisingly, with Bristol West, women generallypay about 0% more a month than men, and nearly 10% less with Integon National when compared to their male counterparts.

When it comes to the most affordable rates for each gender, Integon National comes out on top for both men and women. On average, male drivers save about $184 per month and women save around $203 with Integon National compared to the average Bristol West policyholder.

Bristol West vs. Integon National: 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.

Insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Integon National has the significant edge, with average monthly prices coming in at $128. If you want a full coverage policy with the same state minimum limits, Integon National again has the edge, with policies averaging about $308 a month to Bristol West's $544.

Is Bristol West or Integon National Better for Drivers with Spotty Records?

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

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their insurance can normally expect their monthly bill to go up around 23% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

However, Integon National is usually the less expensive option for both drivers who have clean records and those with a recent ticket, offering prices that are $194 and $216 cheaper, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Bristol West can expect to see around an $140 -- or about 29% -- rise in their car insurance premiums. Drivers who use Integon National for their insurance will see a monthly bill around $155 (or 52%) more expensive after reporting an accident to their car insurance company.

At the end of the day, the more affordable rates come from Integon National, with average prices coming in at $300 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 a collision or speeding ticket. Integon National drivers usually see a 29% increase in their car insurance rates after a DUI charge, while Bristol West will usually climb premiums by about 13%.

But if you end up with a DUI charge and are looking for more affordable rates, Integon National tends to be less expensive for the average driver, with monthly premiums coming in at around $204 to Bristol West's $390.

How does Credit Score Impact Bristol West and Integon National Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it will come into play for many drivers.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper premiums.

So, which carrier offers the cheapest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integon National will typically reward you the most. For policyholders with "excellent" credit scores, Integon National comes in more than 41.52 less expensive. Drivers with "good" credit scores normally save about 44% with Integon National compared to average rates from Bristol West.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower premiums than Bristol West when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 44% per month less with Integon National compared to Bristol West, and those with "poor" scores usually save an average of about 53% a month.

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

How much you drive can have a large impact on your monthly insurance cost. Generally, the more milage you drive, the more you can expect to pay for coverage.

Integon National tends to be the more affordable option for both remote workers and those taking short commutes. Integon National's average prices for drivers with 6,000 annual miles come in around 47% cheaper than Bristol West. Those who drive 12,000 miles annually can expect to pay about 47% less with Integon National over Bristol West.

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

Where your home is can have a considerable impact on your monthly car insurance payment. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Integon National typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Integon National's average prices are around $223 a month compared to Bristol West's $539. Drivers in suburban ZIP codes pay a monthly rate of about $256 with Integon National compared to $386 with Bristol West. If you live in a rural area, you can expect to pay around $175 per month with Integon National and $309 with Bristol West.

Bristol West vs. Integon National Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Bristol West and Integon National offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Both companies offer excellent discounts like advance quote discounts, discounts for being a defensive driver, EFT discounts, and discounts for insuring multiple cars with the same company.

Final Thoughts: Is Bristol West or Integon National Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which insurance carrier is the best carrier for you and your specific profile and needs?

Integon National might be best for you if....

• You will be the only person on the insurance policy.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

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 Integon National. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several companies, not just Bristol West and Integon National. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Bristol West vs. Integon National FAQs

Is Bristol West or Integon National cheaper?

Integon National is the less expensive of the two companies when looking at national average rates, with policies averaging $218 per month with Integon National and $412 for Bristol West. That being said, that doesn't mean Integon National will be the cheapest company for everyone, since there are many different variables that come into play when it comes to your car insurance cost.

Who is better, Bristol West or Integon National?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Bristol West and Integon National offer me different rates?

Auto insurance carriers use a lot of different factors when determining the prices they charge. Things such as age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Bristol West and Integon National calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance carrier 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, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Bristol West or Integon National 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.