Before you decide on oxcar, you might want to reconsider your choice. They just ripped me off for over $1,200. They delayed approving my claim so long that I had to pay just to get my car back. So they would not reimburse me for my costs. I'm 73 years old with a terminally ill wife and am on Social Security. I could barely afford to make the monthly payments as it was, and then they simply stole from me just as if they broke into my house and took my wallet. They should be ashamed of the way they treat their customers, but they are not. O, they did apologize to me, but I am still out over $1,200. Their apology does not buy groceries or medicine for my wife. If you are interested in throwing hard earned money away, go with oxcar. Otherwise, your smartest thing to do is to avoid them like the plagues of Egypt.