The number of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a large trial. How can you determine what insurance you require and how you can purchase it? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. No matter where you are living, you will need to buy some variety of auto insurance. By not owning insurance, you risk having to pay the total cost of any harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of car insurance, including car rental, 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 car you drive * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont