We see more and more drivers on the road each year. As this number increases, the possibility of accidents also increases. The difference between a small bother and major pain can be automobile insurance. So how can you find out what type of car insurance you need and how much to purchase? Car insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and specific other incidents, such as robbery. No matter where you live, you are required to buy some variety of auto insurance. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: Pays for expenses due to personal injury and damage to property where you are responsible. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If this policy is purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of car insurance, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland