Each year, more automobiles and drivers are on the roads. This can lead to an increased likelihood of a collision. Automobile insurance can be the difference between a minor setback and a large trial. How can you determine what insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for expenses due to bodily injury and damage to property that you have caused. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. 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. This insurance may also cover lost earnings, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other policies, like car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont