There are more drivers on the road each year. As this number increases, the chances of a car collision will also go up. The difference between a little aggravation and major pain can be the car insurance you own. So how can you figure out what insurance you need and how much you should buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, such as car rental, are also available. What you pay for auto insurance varies based on the 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 * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont