We see more and more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Auto insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other occurrences, such as theft. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. The minimum amount of this insurance is usually set by local government. 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. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont