There are more cars on the road every year. As this number goes up, the chances of a car wreck will also increase. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how to purchase 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 paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other policies, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland