Each year, more cars and drivers are on the highways. This could lead to an increased likelihood of a collision. Automobile insurance can be the difference between a minor setback and a major trial. But why is insurance required by law and just how much do you need? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other occurrences, such as theft. By not purchasing insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for damages due to bodily injury and property damage to others that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. It can also cover lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont