Each year, more automobiles and drivers hit the roads. As this number increases, the chances of a car wreck will also go up. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. How can you determine what type of insurance you need and where you should go to buy it? Car insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, plus certain other occurrences, such as robbery. No matter where you are living, you are required to purchase some variety of car insurance. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but larger amounts are available and very beneficial. 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance covers all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Other kinds of car insurance, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * 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. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont