There are more cars on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how to purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Clermont