The number of drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. Car insurance can be the difference between a minor setback and a large trial. But why do you need to own insurance and just how much should you purchase? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus specific other incidents, such as robbery. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other kinds of car insurance, such as emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people don't want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont