There are more cars on the road each year. As this number increases, the chances of a car collision will also increase. Car insurance can make the difference between a minor inconvenience and a major trial. How can you determine what type of insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 can also cover lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont