There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a small aggravation and large obstacle can be car insurance. How can you decide what insurance you need and where you should go to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. If this type of coverage has been bought, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont