Each year, more drivers travel America's roads. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how can you figure out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. 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. It may also pay for lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple 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 * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont