Every year, more cars and drivers travel the highways. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a minor setback and a large hassle. So how do you know what insurance you need and the quantity you should buy? Car insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, plus certain other incidents, such as burglary. Your state or province certainly requires some type of car insurance. By not owning insurance, you run the risk of having to pay the full price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected 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 people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont