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According to a decade-long research by the Insurance Research Council, nearly 1 in every 7 motorists does not have car insurance.

Why is it important to get auto insurance? It’s simple – It’s the law.

It’s not a secret that car insurance can be really expensive, especially for drivers with poor driving records. The price for insurance depends from one company to the next. It’s recommended that consumers research and compare at least three insurance companies, identifying the coverage that the consumers need.

A high deductible is also recommended for consumers, granted that consumers can afford to pay the deductible if they get into an accident. A deductible is the money that is paid before insurance steps in to pay the difference.

In order to save money on car insurance, consumers should read the policy carefully and make sure consumers push for all discounts that they are eligible for. Another way consumers can save money is by adjusting the coverage in a way where they assume more risk. Finally, one of the best ways for consumers to save is by insuring vehicles that come equipped with safety features that insurance companies prefer.

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Alabama is among the states with the least affordable car insurance in the country, according to a website that offers comparative data on insurance plans.

Insweb (NASDAQ: INSW) reached the conclusion by dividing median household car insurance rate by median household income.

In Alabama, the calculation came to 3.75 percent, ranking the state 38th.

The least affordable state for auto insurance was Louisiana, at 6.93 percent, followed by Oklahoma, Missouri, Washington, D.C. and New York.

The most affordable state was Massachusetts at 1
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