Typically, a car insurance policy lasts for six months to a year. There may be some circumstances, though, when you’re driving a vehicle that isn’t yours. You may be using a rented car for a business trip or borrowing someone else’s for a short period. Does this mean you’d need another full-term car insurance in Aurora, IL? As a matter of fact, you don’t. Instead, you may apply for short-term auto insurance.
Illinois is still one of three states in the US that doesn’t enforce helmet-use among motorcyclists. It’s still an ongoing debate in the state, but using a helmet is highly encouraged because it can protect you from debilitating injuries. It’s also best for motorcycle riders to wear high-visibility clothing, especially when driving on busy highways.

Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.

Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.


Third-party liability coverage pays damages you cause to others in a covered loss — up to the policy’s limits.  When selecting those limits, it’s important to know the value of assets you want to protect.  Add up the value of everything you own: your primary and vacation homes, savings and investments, cars and recreational vehicles, and any collectibles. Ideally, choose liability limits that are high enough to protect the total value of these assets. 

Statistically, teen drivers and seniors are more likely to figure in an accident. As such, most insurance companies consider them more risky and expensive to insure compared to other drivers. Younger drivers tend to commit mistakes, such as tunnel vision, distracted driving, or speeding, which may lead to road accidents or put other drivers’ and pedestrians’ safety at risk. On the other hand, seniors age 70 years or older who have poorer eyesight and slower reflexes that impact their driving ability may be charged with higher insurance costs.
When you’re constantly shifting the conditions of your motorcycle insurance policy, there’s a risk that your bike won’t have proper coverage at the appropriate times. Set reminders for yourself on the type of coverage your motorcycle has at any given moment. Make sure coverage is added back on before you take it out for a spin. Otherwise, you’re leaving yourself vulnerable to large deductibles and other risks when you’re operating an uninsured vehicle.

Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
If you’re planning to buy a car, one of the costs the you need to consider is auto insurance. An auto insurance ensures that you are protected from financial loss in case you are involved in a vehicular accident. It provides coverage for property damage or theft, liability insurance for bodily injury, and coverage for medical treatment and rehabilitation.
Apart from the right equipment, a good motorcycle insurance policy is essential in keeping your travels safe. Here at Oxford Auto Insurance, we offer low-cost motorcycle insurance that may have comprehensive coverage, increased liability limits, and even roadside assistance plans. We have decades of experience in providing affordable auto insurance in Chicago, and we’re always striving to give the best service for our customers.

Illinois is still one of three states in the US that doesn’t enforce helmet-use among motorcyclists. It’s still an ongoing debate in the state, but using a helmet is highly encouraged because it can protect you from debilitating injuries. It’s also best for motorcycle riders to wear high-visibility clothing, especially when driving on busy highways.


As an Independent Agency, we combine products provided by most respected Insurance providers into custom packages that meet your personal or business needs. When you request a quote, we work hard to find discounts that apply to you. Such as multi-car discount if you insure multiple cars with us for example. Our goal is to always to give you the coverage you need at the lowest price possible.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.
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