Tag Archives: auto

5 Ways to Find the Best Auto Insurance Company

September 6, 2018

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:

1. Check Out the Car Insurance Company’s Consumer Track Record

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.

2. Compare the Exact Same Coverage

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.

3. Inquire About Car Insurance Discounts

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.

4. Compare Optional Coverage

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.

5. See If the Company Caters to Your Specific Needs

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 Your Financial Protection While on the Road

September 3, 2018

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.

What Does Auto Insurance Cover?

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.

Find the Insurance that Fits Your Needs

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.

Protection at a Low Cost

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.



A Quick Post-Car Accident Checklist

August 23, 2018

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.

Assess the Situation

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.

Stay Calm and Call the Insurance Company

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.

Be Alert Before and After Documenting the Accident

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.

The Insurance with the Right Coverage

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.



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