There are more drivers hitting the road each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you need and how to purchase it? Car insurance provides you with protection from 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, plus specific other situations, such as robbery. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This 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. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other types of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont