Each year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, accidents will happen. Car insurance can be the difference between a small setback and a large trial. So how do you know what insurance you need and the quantity you should purchase? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. It may also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people may not want to pay for car 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 agent, make the decision that best suits you. Car Insurance Quotes Clermont