There are more cars on the road every year. This can lead to a higher possibility of a collision. Automobile insurance can make the difference between a small inconvenience and a major trial. So how can you find out what type of car insurance you need and the quantity you should purchase? Car insurance protects you by paying for damage or injury you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other situations, such as theft. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont