Bristol West vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• In general, United Financial Casualty Company offers significantly less expensive premiums than Bristol West
• United Financial Casualty Company has cheaper rates for drivers with a DUI charge on their record
• United Financial Casualty Company tends to be a much more affordable option for residents of rural areas

Bristol West vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Bristol West or United Financial Casualty Company for your next policy, but which one will offer you cheaper prices?

Looking at the national average rates for both companies, Bristol West is quite a bit more expensive than United Financial Casualty Company, with rates averaging $412 per month compared to just $133 with United Financial Casualty Company.

However, that doesn't necessarily mean United Financial Casualty Company will be the less expensive option for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Bristol West or United Financial Casualty Company is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Bristol West or United Financial Casualty Company: Average Car Insurance Rates by State

Bristol West and United Financial Casualty Company only compete against each other in two states, with United Financial Casualty Company offering more affordable rates to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company premiums are over 40% cheaper than car insurance prices at Bristol West.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have United Financial Casualty Company for their auto insurance pay more than $450 less than those who use Bristol West.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. United Financial Casualty Company offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Bristol West's average premiums drop nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best premiums for retired drivers between Bristol West and United Financial Casualty Company? United Financial Casualty Company gets the edge, with rates for drivers 65 and older almost 75% less expensive than the national average for Bristol West.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more affordable for married policyholders than they are for single policyholders. That's because policies for married couples typically cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single drivers, with rates about $306 a month cheaper than Bristol West, on average. The advantage for married drivers with United Financial Casualty Company is also obvious, where drivers save nearly $250 per month.

Bristol West vs. United Financial Casualty Company: Average Rates by Gender

You may not know, but car insurance is normally more expensive for men than for women. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim.

Surprisingly, women typically pay around 0% more a month than men with Bristol West, and about 1% less with United Financial Casualty Company when compared to their male counterparts.

Looking at overall affordability, United Financial Casualty Company comes out on top for both men and women, with average premiums $277 less for men and $280 cheaper for women.

Bristol West or United Financial Casualty Company: 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. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, United Financial Casualty Company normally offers significantly less expensive rates of $79 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies around $350 per month more affordable than Bristol West, on average.

Is Bristol West or United Financial Casualty Company Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your prices, but is Bristol West or United Financial Casualty Company less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West policyholders can expect their premiums to go up an average of $100 a month if they get a ticket, while United Financial Casualty Company generally raises rates about $34 per month, on average.

But United Financial Casualty Company is usually the more affordable option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $236 a month and drivers with a ticket can save about $302 per month with United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in a collision can expect to see their prices climb by just under 30%, while those who have insurance through United Financial Casualty Company will see around a 35% increase.

Overall, United Financial Casualty Company offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $158 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 insurance bill -- typically a lot more than an accident or speeding ticket. On average, Bristol West will climb your prices about 13% after a DUI, while United Financial Casualty Company's average premiums rise by just under 25%.

If you have a DUI on your record and are looking for more affordable prices, United Financial Casualty Company tends to be the much cheaper option with average premiums of $134 monthly compared to $390 from Bristol West.

How does Credit Score Impact Bristol West and United Financial Casualty Company Rates?

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

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

Looking at Bristol West and United Financial Casualty Company specifically, which carrier has the cheapest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with United Financial Casualty Company. Drivers with "excellent" credit can save nearly 70% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $260 or 68% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower rates than Bristol West when it comes to drivers with bad credit. Drivers with "fair" credit pay about $271 a month less with United Financial Casualty Company compared to Bristol West, and those with "poor" scores normally save an average of around $384 per month.

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

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly prices? Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, United Financial Casualty Company offers less expensive premiums than Bristol West. United Financial Casualty Company's average prices for drivers with 6,000 annual miles come in about 68% cheaper than Bristol West. Those who drive 12,000 miles yearly can expect to pay around 67% less with United Financial Casualty Company over Bristol West.

Bristol West vs. United Financial Casualty Company: 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 insurance, but the type of area you live in can have a considerable impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

United Financial Casualty Company tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but United Financial Casualty Company comes out on top with average premiums about $125 a month. United Financial Casualty Company also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $400 and $252 per month respective difference when compared to Bristol West policyholders in similar areas.

Bristol West vs. United Financial Casualty Company Discounts

Regardless of why you might be in the market for a new car 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 auto 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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Bristol West and United Financial Casualty Company so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Both companies offer excellent discounts like continuous insurance discounts, distant student discounts, EFT discounts, and minor child discounts.

Final Thoughts: Is Bristol West or United Financial Casualty Company Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best fit for you?

United Financial Casualty Company might be best for you if....

• Your credit is less-than-stellar.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Bristol West might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Bristol West and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision when it comes to your 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 auto insurance -- comparing quotes from a handful of carriers, not just Bristol West and United Financial Casualty Company. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Bristol West vs. United Financial Casualty Company FAQs

Is Bristol West or United Financial Casualty Company cheaper?

Looking just at the national average rates, United Financial Casualty Company is the less expensive of the two carriers, offering average rates of $133 a month compared to $412 for Bristol West. That being said, United Financial Casualty Company won't necessarily be the most affordable company for every policyholder, since there are lots of different factors that are considered when it comes to your insurance cost.

Who is better, Bristol West or United Financial Casualty Company?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

Why do Bristol West and United Financial Casualty Company offer me different rates?

Auto insurance companies take a look at a lot of different variables when determining the prices they charge drivers. Things like where you call home, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Bristol West and United Financial Casualty Company calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Bristol West or United Financial Casualty Company is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Bristol West or United Financial Casualty Company 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.