We all know those drivers who pride themselves on having never been in a car accident. Well, they’re lucky to be able to make this claim because in 2011 alone, there were an estimated 5.3 million police-reported traffic crashes, and even the best drivers will eventually get into an accident.

Crashes, fender benders, and collisions are an unfortunate but ​often unavoidable part of driving, which can not only put a dent in your car but also your wallet.

Which is why, if you have a car, it's really important to get car insurance.

The video above explains the kinds of coverage options you can get, the discounts you might be able to take advantage of and how easy it is to make the switch if your current car insurance isn’t through your employer. And if you want to learn more, go to MetLife’s YouTube Learning Center. It offers a ton of information to help you figure out exactly what kind of insurance is right for you.

Sarah Fister Gale is a freelance business writer based in Chicago.