We see more drivers on the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a minor setback and a major hassle. How can you determine what insurance you need and how to buy it? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and certain other occurrences, such as robbery. No matter where you live, you will need to purchase some variety of car insurance. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your court costs. State laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont