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Serving Your Needs

We represent multiple insurance companies.

Customized Coverage

We offer a wide variety of insurance solutions.

Personalized Service

We are by your side every step of the way.

Expertise You Can Trust

We are there for you in your time of need.

What Our Clients Say About Oxford Insurance Agency, Inc.

My family has been using Oxford Insurance Agency for our personal vehicle policies for years. The customer service is astounding and the agents are always incredibly attentive and helpful. We have found the prices to be very competitive, even for youthful operators. If you are looking for a supportive, helpful, and family run business to trust with your insurance, Oxford Insurance Agency is the place to go! Thank you for all your help!

Aby Wong

It’s probably strange to like your insurance agent so much, but I truly enjoy working with the people at Oxford. They’re genuine, informative, friendly, and professional. You get access to great insurance policy options while getting to enjoy a small town/family business type experience. I’ll never switch!

Olivia Parsons
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Auto Insurance 101

Learn more about auto insurance so you can make an informed decision on your coverage.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions. However, the car insurance in some ‘no fault’ states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.

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About Oxford Insurance Agency, Inc.

Oxford Insurance Agency, Inc. is committed to providing quality coverage with personalized service and unwavering integrity, delivered by knowledgeable insurance professionals. We provide affordable insurance solutions to individuals, families and businesses in our local community and throughout Massachusetts.

We represent various nationwide insurance carriers, allowing our dedicated agents to accurately compare rates and coverages. Our extensive network of carriers ensures that we can tailor the perfect Massachusetts insurance solution for you- no matter where you are located across the state.

Because we’re independent, our priority is you – not the insurance company. Our goal is to deliver the right blend of price, coverage and service. You can count on us to be there when you need us most, especially if you need to file a claim.

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300 Main St Oxford, MA | 508-987-0333