Motorcycle riding has gained popularity over the years. The problem, however, is it’s seen as a threat to the safety on the road rather than an adventurous venture. That is why, as a motorcycle rider, you have to ride with caution and get the right motorcycle insurance you can find in Chicago.
Riding is generally safe. But accidents and fatal crashes can happen. Although the number of fatalities have gone down to 5.6 percent, motorcyclists are still 28 times more likely to wind up in an accident. Most of these crashes are a result of not taking all the proper safety precautions. In most cases, being careful about how you ride and how you respond to other motorists on the road could keep you out of harm’s way. Safety on the road can also start before you even ride.
Here’s what you can do as a responsible motorcycle rider:
These are the responsibility of every motorcycle rider and it’s not just a requirement in Illinois. Protecting yourself means protecting other drivers and pedestrians on the road.
The Insurance Information Institute (III) reports that motorcyclists are more vulnerable on the road. Most motorcycle riders tend to go slower than larger cars, but the external environment leaves them more vulnerable on public roadways.
The National Highway Traffic Safety Administration (NHTSA) shares that at least 80 percent of motorcycle crashes result in injury or death.
Motorcyclists need to make sure that they pay close attention to their maneuvering skills at all times. This could be mentally and physically taxing.
On another note, the anti-lock brake intends to keep motorcyclists safe as they ride. The good news is they work because 7 percent of motorcycle riders with anti-lock brakes are less likely to end up in a fatal crash compared to those without them.
Cautious riding is necessary; riding with the right protection from comprehensive insurance is even better. At Oxford Auto Insurance, you can have the maximum coverage you need.
Hit the road without worrying too much with our motorcycle insurance plans. Work with us and we will look for the most competitive rates among a variety of motorcycle insurance plans.
We have a team who will help you find the financial protection you need. Worry less and pay less for the right motorcycle coverage. Talk to us and receive a free quote today.
When it comes to knowledge about car insurance, you may think you know the basics, but do you know enough? A 2017 survey of 1,165 auto insurance consumers by insurance search engine The Zebra revealed that 99 percent failed to identify 10 basic insurance coverage types and terms.
Though the survey only reflects a small fraction of the entire driving population, it’s still concerning to know how misinformed vehicle owners are. Worse, some of what they do know about auto insurance are based on myths and hearsay.
Here, we’ll give you examples of common car insurance myths and the truth behind them.
Fact: We’re not sure where this myth came from, but it’s surprising how many people believe this. In one survey by the online insurance comparison site insuranceQuotes.com, 44 percent believe red cars have more expensive insurance coverage.
The truth is, many factors affect the cost of your car insurance. These factors include:
Other factors such as the cost of repairing your vehicle and how popular your car is with thieves may also affect your insurance rate. What’s not a factor is the specific color of your car.
Fact: You know your credit score is important when you’re obtaining new credit, but some don’t think the same when it comes to getting car insurance. The truth is in most states, car insurance companies view your credit scores to predict the odds that you’ll file a claim.
If you have a good credit history, you have a better chance of getting an insurance policy for the right price. However, people with bad credit scores or those called high-risk drivers may pay a higher premium to insure their vehicles.
Fact: Some people think that just because they’re not driving when their car is involved in a collision, they’re not in charge of the insurance.
In most states, insurance follows the car, not the driver. This means that regardless of who’s driving your vehicle at the event of a collision or any other accident, it’s your car insurance company that will cover the cost of damages.
Fact: Some drivers hesitate to file a claim with their insurance company when they get into an accident because they fear that their rates will automatically rise. The catch in this is that when you get involved in an accident with another driver, they may file for damage or injury claims. If they do, your insurance company will still know about the accident.
Additionally, your car insurance rates will increase only if you’re the at-fault driver, you live in a no-fault state, or the insurance company deems you more likely to get into another accident.
While some of these myths have convincing origins or reasons behind them, they’re still not entirely true and believing so could keep you from making the most out of your auto insurance policy.
Whether you need an auto, SR-22, or motorcycle insurance in Chicago, let Oxford Auto Insurance protect your car for you. With different payment plans and multiple companies, we provide some of the most comprehensive and low-cost insurance packages in the state of Illinois.
Visit Oxford Auto Insurance today to learn more.
Driving around Illinois requires protection. As of October 16 this year, 761 fatal crashes have occurred in the state’s public roadways. For this reason, the state law requires the basic liability insurance for all vehicle drivers. But the minimum liability coverage isn’t enough.
Drive with confidence in Cicero IL with comprehensive car insurance.
The minimum liability coverage required by the state may offer a certain level of financial protection if you get involved in a collision, but it only covers the losses of other drivers in a road incident that you may have caused.
This is what the minimum liability coverage includes:
Should you get into a fender bender, the policy only ensures you are held responsible for the other party’s costs in the accident you may have caused. If you noticed, the minimum coverage does not include you. What if you incur an injury from the incident as well?
What you need is the insurance with the coverage you need should you get into a collision.
A full insurance coverage for your car covers a variety of risks. Your vehicle, whether old or new, will benefit from the insurance. Without the right policy, you might end up spending out of the pocket because the costs of damage will most likely affect your finances.
But before buying auto insurance, here are two questions you will want to consider:
Your policy should reflect how frequently you use your car. If you don’t drive as much, a mileage-based insurance may be right for you. If you use your car for work, get commercial auto insurance because a personal auto policy will not cover whatever you may be transporting with your car for work.
The auto insurance you need also highly depends on the type of car you drive. Classic or modified cars need special insurance while vehicles with the latest safety features and a good safety record could give you discounts for insurance.
A policy with a more extensive coverage is what you want and need. At Oxford Auto Insurance, we have the means to provide you with the policy that suits your needs at a reasonable cost.
Let us help you look for the right car insurance in Cicero. By working with us, you will enjoy the following perks:
To get or renew your car insurance, contact us today.
Illinois plans to automate verification of auto insurance within the year to make sure that every vehicle on the road is covered, but the state has yet to have a database required for electronic verification.
The state will begin collecting funds to design and create the database from a council of insurance companies created to reduce vehicle theft and insurance fraud.
Henry Haupt, the spokesperson for the Illinois Secretary of State’s office, said in a public statement that 75 cents will be taken from the council every year to fund the creation of the electronic database. Once the database is created, automated verifications for car insurance will take place at random at least twice a year.
The new law will eventually discontinue and nullify physical insurance cards, as your proof of insurance will be simply your license plate.
To implement the new law, the Illinois Secretary of State will be working closely with every insurance company in the state. The new law will require all insurance companies to provide a list of all their covered drivers, along with other relevant insurance information, to the Secretary of State. All this information will be compiled into the electronic database that keeps track of all the drivers covered with insurance and the amount of coverage each driver has.
The new law goes in line with the same goal of the recent price hikes of car insurances in Illinois: to reduce car collisions.
Versus all other US states, annual car insurance costs in Illinois are greatly influenced by your history of driving violations. For example, a DUI violation will raise your average insurance rate by 126 percent. In other US states, the average increase will only be 72 percent.
As a driver, it is your legal responsibility to have at least basic liability insurance when driving on public roads. According to the Department of Treasury, vehicle owners must have insurance limits of at least $25,000 BI (bodily injury) per person, $50,000 per occurrence, and $20,000 in property damage coverage.
The first and second time you get caught driving without insurance, you will receive a fine between $500 and $1,000. Your succeeding offense can result in the suspension of your driver’s license. If you cause a serious accident while uninsured, you can end up in jail for up to one year.
To help you find the most competitive car insurance rates, Oxford Auto Insurance is here to help. As one of the leading auto insurance agencies in Harvey, Illinois, we always strive to give you flexible payment plans and multiple options – and we do not just stop there. You can also come to us to look for competitive rates for insurance renewals.
For over 65 years, we have been serving Chicago residents with everything they need to know about auto insurance, SR-22 insurance, and motorcycle insurance. We are proud to be a member of the Trusted Choice Insurance Network and the Independent Insurance Agents of Illinois.
For more information, get in touch with us today.
The mandatory auto insurance law of Illinois requires drivers to carry minimum insurance coverage in case they cause a traffic accident on public roads and highways. However, when shopping for auto insurance deals in Cicero, drivers should consider more than the bare minimum they need to fulfill. Carrying enough insurance protects drivers from shelling out their own money for potentially high costs they may incur in vehicle accidents.
The laws of Illinois require vehicle owners to carry liability insurance and uninsured motorist coverage for their registered vehicles. Drivers must always have their car insurance card with them when they are on the road. The minimum coverage includes:
The minimum liability insurance covers medical expenses, property damage, and other incurred costs from people injured or property damaged. Banks and money lenders may require drivers to carry extra auto insurance coverage such as collision, comprehensive, medical, and property damage insurance before they can receive auto loans.
Illinois’ authorities monitor drivers’ car insurance statuses through random verification questionnaires and traffic stop inspections. Drivers must respond to questionnaires with their insurance carrier and policy number, which authorities will use to verify their existing insurance. Traffic enforcers also have the right to ask for proof of insurance randomly during traffic stops.
Drivers found without a minimum insurance policy may face fines ranging from $500 to $1000. Repeated offenses may result in license plate suspension.
Illinois follows a “fault” system to determine who is financially responsible for the injuries, vehicle damage, and other losses caused by a car accident. In case the costs incurred go beyond the coverage limit, the driver has to shell out his/her own money and pay for the excess.
The Illinois Department of Transportation and the National Safety Council published the 2016 Illinois Crash Facts and Statistics in 2018 and found that the total estimated cost of vehicle crashes in the state was $7.7 billion. Broken down into the various vehicle incidents in 2016:
Given these statistics and the legal minimum coverage, basic insurance may not be enough to protect the driver from accident costs. Drivers might not be able to pay for the cost beyond their coverage, and a severe accident might bring them and their household to bankruptcy.
Apart from the costs they have to pay the injured parties, drivers also need to pay for their injuries and properties. Basic liability insurance does not cover the driver’s injuries or property damage. Drivers are unprotected in case the injured party sues for personal injury.
When shopping for auto insurance, drivers in Illinois should look at their options as more than just a legal requirement. They should also look at it as a way to protect themselves and their families from going into debt should they ever cause an accident. Thus, they should find the best policy they can afford that gives them the most financial protection.
Comprehensive auto insurance is affordable with Oxford Auto Insurance. Our teams compare policies of up to 15 providers to give you the best options for your insurance needs. With monthly payments as low as $23, you can have increased liability limits and maximum protection from expensive road accidents.
Call Oxford Auto Insurance at 312-260-9000 today for a free quotation.
While shopping for a car insurance policy, you might have heard of comprehensive coverage. Some car owners think that obtaining this type of insurance means they won’t have to pay a penny out of pocket when an accident happens. But this kind of misinformation could lead to frustration when you get into an accident and expect your comprehensive insurance policy to cover the damages.
Contrary to its name, comprehensive car insurance doesn’t cover everything. It pays for specific non-collision issues, including theft, floods, fire, animal crashes, weather disturbances, and more.
Obtaining comprehensive auto insurance in Aurora is the best way you can plan for the unexpected and protect the value of your vehicle after an accident happens. Learn more about how the policy works below.
Comprehensive car insurance provides coverage for things that damage to your car — beyond your control. These include:
Since comprehensive insurance doesn’t cover collisions with other vehicles, it won’t cover you if you get into a, for example, fender bender. For better protection against unforeseen events, insurers recommend getting collision and comprehensive coverage to include both losses.
On a similar vein, the insurance policy does not include medical or legal expenses related to a collision or other events involving your car. This extends to you and your passengers, as well as the driver and passengers of the other vehicle involved in the incident.
Comprehensive coverage is not part of the state minimum requirement for car insurance. In cases where you have a lease or loan on your vehicle, however, your lender may require you to purchase full insurance coverage for your car, requiring you to take out a comprehensive coverage.
When your car is new and still has value, it makes sense to buy broad insurance coverage for enhanced vehicle protection. But since comprehensive coverage covers different risks, it can also benefit those who own older cars, too. After all, the cost of damage can affect your finances, regardless of whether your vehicle is new or old.
Comprehensive insurance is a smart move for most drivers. Ultimately, obtaining the policy depends on the state of your car and your ability to pay off accidental damage.
Oxford Auto Insurance ensures that you stay financially protected even when you’re on the road.
Contact us today for help in finding an insurance policy that fits your needs.
Specific car insurance companies appeal to different types of drivers. Some companies specialize in servicing families while others cater to drivers with less-than-perfect driving records. You can save hundreds of dollars or get additional benefits if you choose to buy insurance from a company that is a good fit for your needs.
As such, comparing car insurance companies in Aurora is just as vital as comparing insurance quotes. Here are a few ways you can effectively shop for the right insurance company:
One way to know if an insurance company matches your requirements is to research its consumer track record. Read reviews online to see what the consumers say about its insurance policies and services.
If you’re comparing two or more companies, check their complaint records on the website of the National Association of Insurance Commissioner (NAIC) or your state’s insurance department. You can quickly remove companies with the highest number of complaints from your list. You don’t want to work with an insurance company that doesn’t provide excellent customer service.
Many car owners commit the mistake of comparing different coverages from two insurance companies. What you should do, instead, is to establish your desired coverage limits before shopping for insurance. And make sure you use those same limits to request a quote from every company you check out. This way, you get to see which company offers the better deal.
Before you begin comparing insurance quotes, make sure you inquire about potential car insurance discounts. Perhaps, you can bundle your home and auto insurance from one company. Or, ask if the company provides low down payment or low monthly rate options. Checking possible savings is a great way to trim down your choices.
Just a quick reminder, though: make sure to use the same desired coverage limits when comparing insurance discounts. This way, you get a clearer view of the possible savings offered by each company and see which discounts are more worthwhile for you.
Many insurance companies offer optional coverage such as tow truck insurance, which you may need for sudden car breakdowns. So, if one provider offers add-ons that you want at the same price or close to the price of another company’s insurance without the extras, it may be worth choosing the company that offers optional coverage.
Having a less-than-perfect credit score or driving record doesn’t mean you don’t have a chance to get a good auto insurance deal. Make sure to work with a company that understands your specific situation and helps you get great, affordable coverage despite that.
Comparing auto insurance companies is easy, once you know what to look for. So, make sure to follow the tips above to make your shopping more efficient and to find the provider that best suits your needs.
If you want further assistance in your search for the auto insurance that’s right for you, we’re here to help. Talk to us today.
Auto insurance is essential for drivers. It provides benefits that can protect you financially in case you get involved in an accident. Most states in the US mandate every driver to have basic personal insurance, but with different laws.
To ensure that victims of vehicular accidents can seek compensation easily, drivers in Chicago must have car insurance with the minimum insurance coverage. Drivers without proper insurance could pay a substantial amount of money if accident victims decided to file a lawsuit.
The Insurance Information Institute (III) explains that your car insurance can give you coverage in various aspects. These include property, liability, and medical. You can use this if someone stole your car or if it gets damaged due to a road incident like a car crash. It can also cover your legal responsibility to victims of the accident, especially if you’re at fault. In this situation, you may be financially responsible for the damages.
If you don’t have car insurance, you might have to pay out of your pocket. This also applies when there are medical expenses involved.
Although insurance can cover the damages from a collision or any road accident, it doesn’t reimburse you for normal wear and tear or mechanical failure of your car.
It is essential to have basic car insurance, but this may not be enough. This only protects victims and not you. That’s why you should consider getting insurance that gives you extra protection but still complies with the state’s requirements.
In Illinois, auto insurance must at least have the following:
Since they are just the minimum requirements, you can purchase liability insurance with a higher amount than what the state imposes. You can choose comprehensive car insurance to cover any loss on your car. This is an ideal solution to protect the value of your asset.
Collision insurance is another type of insurance to consider. What’s good about this insurance is that it covers the damage to your car after hitting something like a road sign or another car.
You can also get medical insurance to cover the healthcare costs you’ve incurred after an accident.
Auto insurance saves you from spending a hefty amount of money due to an accident, so purchasing it could prevent financial difficulties in the future.
We can help you get car insurance that is affordable yet gives you the features and services you need. Our team will also make the process convenient by enabling you to purchase online, anytime.
You don’t have to pay too much money for down payments just to secure a policy. We’ll let you drive without worrying about paying expensive claims.
Contact us now so we can help you.
Los Angeles is the 66th most populous city proper in the world, with a little over four million residents. Accidents are bound to happen in a city where the automobile is the primary means of transportation.
Auto insurance in Harvey LA is one way to protect yourself. While there’s no way to eliminate car crashes, you can mitigate its the impact by knowing what to do should it occur.
It may take a while for you to recover from the shock, but it’s important to get your bearings and try to stay in control. Once you’re able to, assess the situation.
If you can move, get out of your car. If there’s a risk of injury or if moving can put you at risk for worse injury, maintain your position. If it’s safer to move out of traffic, do so and don’t leave the scene of the incident.
If you’re riding with other people, check if they are OK or if they sustained injuries. If you’re able to, call 911 or the California Highway Patrol (CHP). Alternatively, pedestrians and other motorists may call for help.
As soon as the authorities arrive, follow their instructions.
The next step is to call the insurance company. Exchange car insurance information with the other party. Your insurance company and the other driver’s insurance company will need both your information to figure out who pays for the damages.
Follow the instructions that your agent gives you. If possible, request a tow through your insurance company. Take note of the name of the tow company and the location where they will take your vehicle.
When the authorities start gathering information, be courteous and polite at all times. Give the police your name and insurance information. Provide only the following:
If possible, take pictures to document the scene of the accident. You need photos of the following:
A car accident is an unfortunate event to be involved in, but it pays to gather as much information as possible. The right auto insurance will be of use in such a situation. Our agents in Harvey LA can help.
At Oxford Auto Insurance, we can help you find the best car insurance. Our agents will help you look for a policy with the kinds of coverage that meet your specific needs. We highly recommend an insurance policy that comes with collision and comprehensive coverage.
We will get you the most reasonably priced and extensive coverage. On top of this, we will provide you with flexible payment plans, low down and payments, increased liability limits, and tow truck insurance. Contact us today for a free quote.
Motorcyclists are more vulnerable on the road, according to the Insurance Information Institute (III). They don’t have the same protection that car drivers and passengers have, exposing them to greater chances of getting injured or worse, killed in a crash.
If you’re a motorcyclist, your vulnerability on the road is the biggest reason to get motorcycle insurance as required in Chicago IL.
Motorcycle owners make up only 3 percent of America’s total registered vehicles. In spite of this, the National Highway Traffic Safety Administration (NHTSA) says motorcycle accidents happen 27 times more frequently compared to fatalities in other vehicles. The NHTSA further explains that at least 80 percent of motorcycle crashes result in injury or death.
This is why the state requires motorcyclists to get the minimum liability insurance. It’s to make sure you’re capable of handling the expenses before hitting the road. The insurance policy includes the following:
Compliance with basic liability insurance is good. The downside is it may not give you enough financial protection; motorcycle accidents can devastate finances. The minimum liability insurance only covers the losses of the other party involved in the accident, which you may have caused.
So what kind of insurance should you have?
The right motorcycle insurance for you not only covers the basic liabilities but also takes care of your property and any injuries you sustain in such accidents. Here’s what a good insurance plan includes:
For low-cost motorcycle insurance, you can come to us. We have the right insurance plans for you and your motorcycle.
Hit the road with confidence and protection for your motorcycle with our motorcycle insurance plans. We will find the most competitive rates among several types of motorcycle insurance plans and compare the policies of many insurers.
Many factors affect how the cost of motorcycle insurance varies. In general, it tends to be costly since riding motorbikes is statistically riskier than when riding cars.
But work with us, and we will find a policy with extensive coverage at an affordable rate. Our team will help you find the right financial protection you will need.
Find out how much motorcycle insurance in Chicago costs. Talk to us and get a free quote today.