Each year, more automobiles and drivers travel the highways. As this number goes up, the chances of a car accident will also increase. The difference between a little aggravation and major pain can be the car insurance you own. How can you decide what insurance you need and how you can purchase it? Car accidents can result in many different expenses, which can all be paid for based on the type of coverage you own. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other kinds of car insurance, like car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont