Every year, more cars and drivers hit the highways. This can lead to an increased likelihood of a collision. The difference between a little aggravation and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and the quantity you should purchase? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you have purchased. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 local government. 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 reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont