Every year, more automobiles and drivers travel the highways. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as burglary. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple 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 * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont