Every year, more cars hit our roads and freeways. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you figure out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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 may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident 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: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont