There are more cars and drivers on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont