There are more drivers hitting the road every year. This can lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and major obstacle can be automobile insurance. So how can you figure out what insurance you need and how much you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont