Auto insurance is a crucial aspect of car ownership. It provides financial protection for you and your family in the event of an accident. Oxford Auto Insurance is a company that offers a range of coverage options to suit your individual needs. In this article, we will explore everything you need to know about Oxford Auto Insurance, including their coverage options, rates, and customer service.
What is Oxford Auto Insurance?
Oxford Auto Insurance is an insurance company that specializes in providing coverage for cars, motorcycles, and other vehicles. They offer a range of coverage options to suit the needs of individual drivers. The company was founded in Chicago in 1958 and has since expanded to offer coverage in Illinois, Wisconsin, and Indiana.
Their mission is to provide quality insurance coverage at an affordable price. Oxford Auto Insurance understands that each driver has unique needs and budgets, which is why they offer a range of coverage options and payment plans.
Types of Coverage Offered by Oxford Auto Insurance
Oxford Auto Insurance offers a variety of coverage options to suit the needs of individual drivers. These include:
Coverage Type |
Description |
Liability Coverage |
Covers damages you cause to others in an accident |
Collision Coverage |
Covers damages to your car in an accident |
Comprehensive Coverage |
Covers damages to your car from non-accident-related incidents (e.g. theft, vandalism) |
Uninsured/Underinsured Motorist Coverage |
Covers damages caused by a driver with little or no insurance |
Personal Injury Protection |
Covers medical bills and lost wages for you and your passengers in an accident, regardless of who is at fault |
Oxford Auto Insurance also offers optional coverage, such as roadside assistance and rental car reimbursement.
Factors That Affect Your Oxford Auto Insurance Rates
When you apply for auto insurance with Oxford Auto Insurance, several factors may affect the rates you are quoted. These factors include:
- Your age
- Your driving record
- The type of car you drive
- Your location
- Your credit score
Younger drivers and those with poor driving records may be quoted higher rates than older drivers with clean records. Similarly, drivers of expensive or high-performance cars may also be quoted higher rates.
Your location can also affect your rates. Drivers in urban areas may be quoted higher rates than those in rural areas due to increased risk of accidents and theft.
Oxford Auto Insurance Customer Service
Oxford Auto Insurance prides itself on providing excellent customer service. They have a team of knowledgeable agents who can help you choose the right coverage for your needs and budget.
In addition, you can manage your policy online through the Oxford Auto Insurance website. This allows you to view your coverage, make payments, and file claims at your convenience.
FAQ
Does Oxford Auto Insurance offer discounts?
Yes, Oxford Auto Insurance offers a range of discounts to help you save money on your coverage. These include safe driver discounts, multi-car discounts, and discounts for drivers who take a defensive driving course.
What should I do if I’m in an accident?
If you are in an accident, you should contact Oxford Auto Insurance as soon as possible. They will guide you through the claims process and help you get your car repaired or replaced.
Can I manage my policy online?
Yes, you can manage your policy online through the Oxford Auto Insurance website. This allows you to view your coverage, make payments, and file claims at your convenience.
How do I get a quote for Oxford Auto Insurance?
You can get a quote for Oxford Auto Insurance by visiting their website or contacting one of their agents. They will ask you a few questions about your driving record, car, and coverage needs to provide you with a personalized quote.
What types of vehicles does Oxford Auto Insurance cover?
Oxford Auto Insurance covers cars, motorcycles, and other vehicles. They offer a range of coverage options to suit the needs of individual drivers.
In conclusion, Oxford Auto Insurance is a reputable insurance company that offers a range of coverage options to suit the needs of individual drivers. They prioritize customer service and offer a convenient online platform for managing your policy. By understanding their coverage options and rates, you can make an informed decision when choosing your auto insurance provider.
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