There are more cars on the road every year. As this number goes up, the chances of a car accident will also go up. Car insurance can make the difference between a small setback and a large hassle. But why is insurance important and just how much should you buy? Mandated coverage varies based on the state/province but typically 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 can pay for your defense and court costs. Local laws typically require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other kinds of car insurance, like emergency road service and car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * 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 crisis. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont