The amount of drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, such as emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Many people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont