Each year, more cars and drivers travel the roads. This could lead to an increased likelihood of a collision. The difference between a little bother and large obstacle can be your insurance. So how can you find out what insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and property damage to others that you are responsible for. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont