There are more cars and drivers on the road every year. As this number goes up, the chances of a car accident will also go up. Automobile insurance can be the difference between a minor inconvenience and a major hassle. So how do you know what insurance you need and how much to buy? Auto insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as robbery. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the collision. It is occasionally called no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont