There are more cars and drivers on the road every year. This can lead to a higher possibility of a car accident for you and your family. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Auto insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus certain other incidents, such as robbery. No matter where you are living, you will need to purchase some type of auto insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, this type of insurance can pay for your court costs. State laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont