The number of drivers on the road increases each year. With so many vehicles on the road, crashes will happen. Car insurance can make the difference between a minor inconvenience and a large hassle. How can you decide what insurance you require and how to purchase it? Coverage requirements will differ 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 bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your legal fees. State laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont