We see more cars 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 the car insurance you own. How can you decide what type of insurance you need and where you should go to buy it? Car insurance protects you by paying for damage or injury you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, and certain other situations, such as theft. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont