Every year, more cars hit our roads and freeways. As this number increases, the chances of a car accident will also go up. Car insurance can be the difference between a minor inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to personal injury and damage to property that you have caused. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont