Each year, more cars and drivers travel the highways. This can lead to a higher possibility of a collision. The difference between a small bother and major pain can be car insurance. How can you decide what insurance you need and how to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont