Buying auto insurance is a necessary expense for anyone with a car. Choosing the best carrier can be a complex process, as premiums are affected by many factors. The amount of coverage you choose will also influence your premium. However, before you sign on the dotted line, it is a good idea to gather as much information as possible. Fortunately, there is an Alabama car insurance calculator to help you estimate prices.

One of the biggest factors affecting car insurance in Alabama is the driver’s age. Younger drivers pay more for coverage. Adding a teen driver to your policy can result in a 3.1x increase in your premiums. Likewise, those who have a poor driving history, or who have received a DUI, will face higher rates.

Another factor that can affect the cost of auto insurance in Alabama is the type of vehicle you drive. Sports cars and luxury vehicles carry a higher risk of damage and theft, resulting in higher premiums. Additionally, sports cars are more expensive to repair. Lastly, a high deductible can reduce the payout if an accident occurs.

Aside from the type of car, your driving record and the amount of coverage you need will also affect your premium. If you have a clean driving record, you may qualify for a low-cost policy. You can find discounts for things like a good driver, home ownership, or for paying your bills online. If you’re married, your spouse’s status can also be taken into consideration. Purchasing coverage from a local insurer may also result in a lower rate than you would get from a national carrier.

Alabama is a state with some of the lowest car insurance rates in the nation. As a result, many residents seek affordable coverage. If you live in Alabama and are searching for a good deal on insurance, you can contact SafeAuto, which provides affordable car insurance throughout the Cotton state. For a free car insurance quote, call them at 1-800-SAFEAUTO.

Another factor that can significantly affect the cost of your car insurance in Alabama is your deductible. A high deductible means that you’ll be required to pay a larger sum before the insurance company pays out. On the other hand, a low deductible is a great way to cut down on costs. You can save hundreds of dollars a year by opting for a low deductible.

The minimum level of coverage for Alabama is $25,000 in bodily injury liability per person, and $25,000 in property damage liability per accident. In addition, you must purchase Comprehensive and Collision coverage. Full Coverage includes both collision and comprehensive coverage, with a $500 deductible. Using the Alabama car insurance calculator, you can compare quotes from a variety of companies to find the best rates.

The Alabama car insurance calculator shows that, for the average person, the cost of a full coverage policy is $837. This is approximately 2.5 percent of the person’s disposable income. Considering that the average personal disposable income in Alabama is $33,535 in 2014, this is not a small price to pay.