The number of drivers on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a large trial. So how do you know what insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance will pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, including emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont