Oxford Auto Insurance: Comprehensive Coverage And Peace Of Mind

Oxford Auto Insurance is a trusted car insurance provider in Chicago and the wider Chicagoland Area. With over 65 years of experience, Oxford Auto Insurance helps customers find the best coverage at the most affordable rate. The company provides car, motorcycle, and SR-22 insurance, with a focus on exceptional customer service. SR-22 insurance is a financial responsibility requirement for high-risk drivers, and Oxford Auto Insurance assists clients in obtaining this certificate quickly and affordably. The company also offers flexible payment plans and low down payment options, making it a popular choice for those seeking low-cost auto insurance in Illinois.

SR-22 insurance

In the state of Illinois, car owners are required to carry at least the basic liability insurance when driving. This law ensures that drivers have the means to cover the losses of another driver in case of a collision. However, the minimum coverage requirements may not be sufficient, and some drivers may be required to obtain an SR-22 form. The SR-22 form is mandated by the Illinois Secretary of State for drivers who are caught driving without insurance, have multiple driving violations, or other similar offences. This form serves as proof that the driver has the financial capability to pay for losses in the event of an accident.

To obtain an SR-22 form, individuals can contact their insurance company, which will add the SR-22 endorsement to their existing policy and then file the form with the state. If an individual does not have auto insurance or their current insurer does not offer SR-22 filings, they will need to purchase a new policy from an insurance provider that offers this service. It is important to note that not all insurance companies offer coverage for SR-22 filings, so individuals may need to shop around and inform potential insurers about their requirement for an SR-22 upfront.

The cost of obtaining an SR-22 form varies but is generally affordable, with an average cost of around $25. However, individuals may also need to pay a filing fee for each policy term that the SR-22 is required, and this fee may differ depending on the state and insurance company. Additionally, some states may require a surcharge, resulting in additional costs for the driver.

Once an individual has met the requirements mandated by the state, they can request their insurance company to remove the SR-22 from their policy. However, it is important to note that the SR-22 status will not automatically be removed, and individuals may need to take proactive steps to ensure their driving record is updated.

Motorcycle insurance

You can customize your motorcycle insurance policy to cover the following:

• Full replacement cost of your bike
• Comprehensive coverage, which includes damage from animals, weather, and theft
• Medical payments
• Uninsured/underinsured motorist coverage
• Damage or loss to your gear and upgrades, such as transport trailers, sidecars, custom exhaust equipment, and safety apparel

The cost of motorcycle insurance varies. If you have a small, inexpensive bike and a clean driving record, you may pay a few hundred dollars a year. On the other hand, if you are a new teen motorcyclist buying a powerful sport bike, you may pay $3,000 to $5,000 per year in premiums.

There are several ways to save on motorcycle insurance:

• Buy an older, less powerful bike
• Take a motorcycle safety course
• Maintain a clean driving record
• Shop around for the best rates
• Look for available discounts, such as those for riding a certain number of miles per year or being a member of certain clubs or associations

Illinois auto insurance

Auto insurance is a requirement for vehicle owners in Illinois. Driving without insurance in the state is illegal. The minimum insurance coverage in Illinois is $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 per accident for property damage liability. This means that if you are found legally responsible for a covered accident, your insurance will cover the expenses associated with any bodily harm sustained by other parties, as well as damage to another person's property.

In addition to liability coverage, Illinois law also requires uninsured motorist bodily injury coverage. This means that, in the event of an accident caused by an uninsured or underinsured driver, your insurance will cover any bodily harm you sustain. The minimum coverage for this is $25,000 per person and $50,000 per accident.

While these are the minimum requirements, it is worth considering purchasing higher limits. The state minimums may not offer full protection in the event of a lawsuit. Collision coverage and comprehensive coverage are also optional in Illinois but can provide additional protection. Collision coverage will pay for damage caused by an accident with another vehicle or object, while comprehensive coverage includes damage caused by non-collision-related incidents such as theft, fire, and vandalism.

The cost of auto insurance in Illinois depends on various factors, including age, location, driving history, and the level of coverage chosen. The average cost of car insurance in Illinois was $1,395 in 2021, which is 9% lower than the national average. However, this figure can vary depending on individual circumstances and insurance providers.

When choosing an insurance provider, it is important to shop around and compare different companies' offerings. Check that the company is licensed in Illinois and consider their complaint ratio and financial stability. It is also beneficial to ask for recommendations from people you know and select a reliable and helpful licensed insurance agent.

Low down payments

Oxford Auto Insurance has been serving the Chicagoland area for over 65 years, providing car insurance to customers. The company prides itself on its ability to find customers the best coverage at the most affordable rate possible.

One of the ways Oxford Auto Insurance does this is by offering low down payments and flexible payment plans. The company understands that not everyone can afford a large down payment, so they offer monthly payments as low as $23. This makes their insurance more accessible to those who may be on a tight budget or have other financial commitments.

The flexible payment plans also allow customers to change their down payment amount and first payment date, as well as lower their monthly payments if needed. This flexibility ensures that customers can find a payment plan that suits their individual financial situation and needs.

With Oxford Auto Insurance, you can be confident that you're getting a great deal on your car insurance, without breaking the bank. Their low down payments and flexible plans make it easy to get the coverage you need, when you need it, without having to worry about a large upfront cost. This can be especially helpful for those who are in between jobs, students, or simply those who want to keep their monthly expenses low.

Customer service

Oxford Auto Insurance has been serving the Chicagoland area for over 65 years. It is one of the premier insurance agencies in Illinois, providing car, motorcycle, and SR-22 insurance.

The company prides itself on its outstanding customer service, which has resulted in a high customer satisfaction rating of 98%. Oxford Auto Insurance's customer service team is dedicated to helping customers find the best coverage at the most affordable rates. They shop and compare rates from more than 15 insurance companies to get customers the cheapest plans possible.

The company's website also offers convenience and ease of access to customers. Customers can purchase auto insurance, make payments, or renew their insurance coverage online.

For any questions or complaints, Oxford Auto Insurance's customer service department can be reached by phone at (630) 590-6158 or by email at [email protected].

With a commitment to taking care of their customers both on and off the road, Oxford Auto Insurance ensures that customers receive top value for their money. Their flexible payment plans and low down payment options provide customers with financial flexibility.

Whether it's through their competitive rates, convenient services, or responsive support channels, Oxford Auto Insurance prioritises customer satisfaction and strives to be the trusted choice for automotive insurance in the Chicagoland area.

Frequently asked questions