There are more cars on the road each year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a large hassle. How can you determine what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 can also cover lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other policies, including emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland