Safe driving tips for motorhome drivers

Motorhome drivers must exercise extra caution when navigating the roads, especially in the Decatur, AL area. Driving a motorhome can be intimidating, so here are some tips from us at the Will Wright Agency Inc. to help you stay safe on the road: 

  1. Before setting out on your trip, ensure your motorhome is updated with maintenance. Check tire pressure and tread depth, brake fluid, and lights. 
  2. Adjust your driving habits to the size of your vehicle. Motorhomes need more time and space to stop and turn than smaller cars, leave plenty of room between you and other vehicles, and use lower speeds in unfamiliar areas. 
  3. Be aware of windy conditions affecting a larger vehicle like a motorhome – especially when crossing bridges or high elevations. If it’s windy, slow down to reduce drag on your vehicle and give yourself more control while driving. 
  4. Stay alert while driving, and don’t allow yourself to become distracted by devices or passengers in the vehicle. Turn off all gadgets until you reach your destination, if possible. 
  5. Know what type of terrain you’re traveling through – for example, some roads have restrictions for motorhomes due to narrow turns or steep inclines/declines – before setting out so that you can adjust accordingly for a smoother ride. 

By following these simple tips, motorhome drivers will be able to enjoy safe travels across the country! For more tips on how to stay safe on the road, or if you have any questions about your motorhome insurance policy, call us at the Will Wright Agency Inc. Today. We are proud to serve the Decatur, AL area.

How to prepare your RV for winter

Once you’ve identified the winterizing needs of your RV, it’s time to begin preparations. We love RVs at WIll Wright Agency Inc. and recommend everyone in the Decatur, AL area follow these helpful tips.

Tips for your RV this Winter

Start by draining all water tanks and lines and flushing any remaining moisture. Next, disconnect all electrical cords and power sources from your RV and store them securely for safekeeping. Once complete, cover up the batteries with a battery blanket or tarp to keep them insulated against cold temperatures. Additionally, ensure your RV is equipped with a proper antifreeze solution to protect any plumbing fixtures and pipes from freezing over.

When storing your RV during winter months, please place it in an area that offers plenty of coverage from snow and direct sunlight. To further protect against the elements, apply a coat of wax to the exterior and seal any windows and entrances with a weather-resistant sealant. Finally, inspect all areas of your RV for any potential signs of damage or wear that may have occurred during the summer months. Repairing any necessary items before storing them will ensure you’re ready to hit the road again when winter is over!

Following these steps will help ensure that your RV is adequately prepared for winter and will remain in excellent condition until spring arrives. And with a little bit of preparation, you can guarantee that your next camping trip in the cold winter months will be enjoyable and stress-free! So don’t wait another minute–get out there and start preparing your RV for winter today!

For more tips, call us at Will Wright Agency Inc. today! We proudly serve Alabama and Tennessee. Happy travels!

What value comes with classic car insurance in Alabama?

Anyone that lives in the Decatur, AL area will want to own a car. For those that are vehicle lovers, owning a classic car can be a dream. If you are looking to purchase a classic car in this part of the state, it is vital that you get a classic car insurance plan. This is a unique type of auto coverage that provides value that is unmatched by other types of auto coverage. 

Receive Full Protection for Car

One important reason to always get a classic car insurance plan is to protect your car’s value adequately. When you purchase a classic car, you will be making a significant investment that could go up in value. If you are appropriately covered with insurance, it will allow you to build a plan that offers coverage for the vehicle’s full value. In many cases, you are able to negotiate this coverage with the insurance provider when taking out the policy. 

Obtain Necessary Liability Coverage

You also will want classic car insurance to obtain liability insurance. If you are going to drive a classic car, you will need to have liability insurance. However, the actual risk over the policy term is likely low as you drive sparingly. The insurance providers are able to consider this when building your policy. 

Classic car insurance remains an excellent investment for those in the Decatur, AL area. Calling Will Wright Agency Inc. is beneficial if you want one of these insurance plans for your classic car. The Will Wright Agency Inc. team knows the importance and value of this coverage and can ensure you are adequately covered. 

Does Renters Insurance Cover Flooding?

Renters insurance is not a legal requirement for those living in Decatur, AL, but some landlords will require proof of indemnification before they sign off on your lease. In addition, many people choose to buy renters insurance for the benefits it offers. 

What About Flooding?

A variety of reasons can cause flooding. For example, a pipe may burst in your apartment, causing significant water damage. Leaky roofs can also cause fluid accumulation, and both of these scenarios are likely to fall under the purview of a renters insurance policy. Your Will Wright Agency Inc. specialist can go into further detail about specific coverage. 

The type of flooding that falls outside of renters insurance coverage tends to be directly related to the weather, such as living next to a river or creek that rises during heavy rains. 

Flash flooding due to storms can wreak havoc, as can significant snow thaws. Wet water streams that spring up and inundate gullies and ditches can also create flood conditions. These types of events fall under flood insurance coverage. 

It’s important to examine the Decatur, AL topography surrounding your dwelling and speak with an expert to determine if additional coverage is needed. FEMA government maps detail flood planes and the risk for flooding as well as the severity, frequency, and elevation; this information is updated every few years. 

Renters insurance tends to cover your possessions, furniture, and expenses due to injuries incurred by guests while on your premises and not events due to flooding. 

Discuss Your Needs With Us 

Will Wright Agency Inc. works hard to provide you with the tailor-made insurance package best suited to meet your needs. Call us today, reach out via phone, or stop by our office to ask any questions. 

Three misconceptions about motorhome insurance

If you own a motorhome, you’ll need to insure it to avoid unexpected expenses that could lead to financial hardship for you. Will Wright Agency Inc. offers motorhome insurance in Decatur, AL.

Unfortunately, there are some common misconceptions out there regarding motorhome insurance that you should be aware of. The following are three misconceptions about motorhome insurance.

Motorhome insurance and auto insurance are basically the same.

There are a few important differences between motorhome insurance and auto insurance to be aware of. For one thing, motorhome insurance typically has higher liability thresholds since motorhomes are larger vehicles that could cause more damage. 

Another big difference when it comes to typical motorhome insurance policies is that they typically make it convenient for motorhome owners to pause coverage in the off-season when their motorhome is in storage. 

Your home and auto insurance policies automatically cover your motorhome. 

Although your home insurance may offer coverage for your motorhome while it’s in storage on your property, home insurance won’t offer any additional insurance protection for your motorhome. Also, auto insurance may only offer basic liability coverage in certain situations like when you’re towing a motorhome. 

To get complete coverage, you need to invest in a motorhome insurance policy. 

You’ll have to pay a lot more for motorhome insurance than for auto insurance. 

You might be surprised to find that motorhome insurance is actually sometimes less expensive than auto insurance.

Insurance providers often find that motorhome coverage involves less risk than auto insurance coverage, so premium rates may therefore be lower. 

If you’re interested in a quote on motorhome insurance in Decatur, AL, we can assist you at Will Wright Agency Inc. Send us your inquiry today and we’ll be happy to come to your assistance!

Updating Your RV Insurance After Updating Your RV

This blog from Will Wright Agency Inc. covers why you need to update your coverage after adding solar panels, installing new appliances, or renovating your RV. Whether your RV gets parked full-time in Decatur, AL, or you often road trip, you need to keep your insurance current.

That does not just mean keeping your RV policy paid up; it also means that you cover the appropriate items you store in it and its overall condition. That’s why, when you renovate or add to your RV, you need to contact us at Will Wright Agency Inc. to update your policy.

Let’s say you update all of the appliances in your RV. That means you install a new refrigerator/freezer, air conditioner, heater, microwave, oven/stove, and added a Keurig coffee maker. Your insurance policy covered the RV as you purchased it. Your insurance agent based your coverage on those appliances. Your updates made your RV worth more money, but your policy covers the original value.

Adding solar panels to your RV’s roof so you can stop using propane and have electricity when not parked and plugged into an outlet also increases the value of your RV. A solar-powered recreational vehicle requires an insurance update.

Let’s say you purchased an older RV, then rehabbed it, much like a house flipper would. You bought insurance when you purchased the RV, but now its value went up. What you purchased for  $5,000 now has a value of $15,000. That means you need to update the insurance on it.

Contact Us

Contact Will Wright Agency Inc., serving Decatur, AL, for more information. Meet with one of our agents to update your RV policy today.

Own a Classic Car? Don’t Leave it Unprotected

If you are one of the fortunate people who own a classic car, ensure you have it correctly insured. Contact the insurance professionals at Will Wright Agency Inc. in Decatur, AL for all the information you need to protect your car.

The hobby of owning a classic car is costly. A standard policy will not adequately protect your vehicle. To obtain insurance for a collector, classic, antique, or vintage car or truck, your vehicle needs to be garaged, used as an extra vehicle only, and not for daily use and kept in good working order.

Classic cars usually appreciate if they are correctly maintained. Your coverage should reflect the current market value of your vehicle. This special coverage will do that. It will also offer collision, liability, comprehensive, and other specialized coverage, such as:

  • You are reimbursed for the actual value of your vehicle.
  • It’s possible to have coverage for original replacement parts.
  • You can go to the restoration or repair shop of your choice.
  • You can drive your classic car at any time without mileage restrictions.

While it might seem logical to put your classic vehicle on your existing car insurance policy, there are reasons to get coverage created, especially for the needs of your classic. Classic car insurance usually covers your car up to an agreed value, whereas standard car insurance will not provide as much coverage.

Because the values of classic vehicles can vary quite a bit, making your vehicle more expensive to insure. As most classic car insurers have rigid eligibility requirements, having a clean driving record helps to keep your monthly premiums down.

If you are one of the lucky few who can enjoy this terrific hobby, make sure you have all the coverage you need in case of a mishap. Contact the professionals at Will Wright Agency Inc. today for answers to all your questions. You will be glad you did.

The Top Five Reasons to Get Renters Insurance

Everyone knows that feeling of finally finding the perfect apartment. It has everything you need and want, plus it’s in a great location. You can’t wait to move in and make it your own. But even as you sign the lease, one more important thing to do is get renters insurance. Here are five good reasons why you should do so.

1. It’s Relatively Inexpensive

It’s easy to see renters insurance as an unnecessary expense, but the truth is that it’s relatively inexpensive. You can never compare the cost of your belongings to the price of a policy.

2. It Covers Your Belongings

Your landlord’s insurance covers the building itself but not your possessions. If there’s a fire or break-in, you could lose everything – and be left with no way to replace it. Renters insurance covers your belongings, so you can replace them if they’re damaged or stolen.

3. It Protects You from Liability

If someone is injured while on your property, they could sue you. Renters’ insurance includes liability coverage, which protects you in case you’re sued for damages. This ensures you won’t have to pay out of pocket if someone is injured on your property.

4. It Covers Additional Living Expenses

If your apartment is damaged and you need to find a new place to live, renters insurance can help cover the cost of additional living expenses. This includes things like hotel bills and restaurant meals.

4. It Covers Extra Expenses

If you have to move out of your apartment because of damage from a fire or severe weather, your renter’s insurance will cover the cost of temporary housing. This coverage can also help pay for things like food and other necessary expenses.

5. Some Landlords Require It

While not all landlords require renters insurance, some do. If your landlord asks you to get coverage, it’s a good idea to comply. Not only will this give you peace of mind, but it could also help you avoid potential legal problems later on.

Getting renters insurance is an intelligent way to protect yourself and your belongings. It’s relatively inexpensive and can save you a lot of money in the long run. Will Wright Agency Inc. offers renters insurance in Decatur, AL. Contact us today to learn more about our policies and how we can help you protect your home.

Dangers of Not Having Motorhome Insurance

If you live in your motorhome full-time, you know how important it is to have the right insurance coverage. Your camper on wheels is not only your mode of transportation but also your home; you need to ensure it is protected from any potential risks. However, many people choose to forego motorhome insurance, thinking that their auto insurance will cover them in case of an accident. Unfortunately, this is not always the case. Here are some dangers of not having motorhome insurance.

1. You Could Lose Your Home

If your motorhome is totaled in an accident and you don’t have insurance, you could lose your home. Even if you still have the title to your motorhome, you will not be able to replace it without insurance coverage. This could leave you homeless and without transportation.

2. You Could Be Sued

If you are involved in an accident without insurance, the other party may sue you for damages. If they are successful, you could be responsible for paying their medical bills, repair costs, and more. This could ruin your financial stability and leave you in debt for years.

3. You Get Ruined Financially

In addition to the previous point, not having insurance can ruin you financially if you are sued or involved in an accident. If you do not have the proper coverage, you may have to pay out of pocket for any damages. This could leave you a hefty bill and potentially ruin your credit score.

These are just a few of the dangers of not having motorhome insurance. If you are currently uninsured, getting coverage as soon as possible is important. Accidents can happen at any time, and you need to be prepared. Luckily, Will Wright Agency Inc. in Decatur, AL can help you get the coverage you need. We offer comprehensive motorhome insurance policies that will protect you and your home on wheels. Contact us today to learn more about our coverage options and get a free quote. Please don’t wait until it’s too late. Insure your motorhome today.

What You Need to Know Before Buying RV Insurance

There’s nothing quite like hitting the open road in an RV. The freedom to explore new places, set up camp whenever and wherever you please, and spend quality time with family and friends – it’s no wonder that RVing is one of America’s favorite pastimes. However, before you head out on your next adventure, there’s one vital thing to take care of: insurance. But what kind of insurance do you need for your RV? Here’s what you need to know before buying RV insurance.

What Does RV Insurance Cover?

What is covered by your RV insurance will depend on the type of policy you purchase. Some of the common coverages included in most RV insurance policies are:

  • Collision Coverage: This coverage will help to repair or replace your RV if it is damaged in an accident.
  • Comprehensive Coverage: This coverage will help to repair or replace your RV if it is damaged by something other than an accident, such as a fire, theft, or vandalism.
  • Medical Payments Coverage: This coverage will help to pay for medical expenses if you or your passengers are injured in an accident.

How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on the value of your RV, the coverages you choose, the amount of liability coverage you need, and other factors. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for RV insurance.

What Are Some Things to Consider When Buying RV Insurance?

When you’re shopping for RV insurance, consider the value of your RV, how often you’ll be using it, where you’ll be taking it, and what type of coverage you need. It would be best if you also considered the deductibles for each coverage and the limits of liability. By keeping these things in mind, you can be sure to get the right RV insurance for your needs and budget.

Will Wright Agency Inc. in Decatur, AL, offers a variety of insurance policies to make sure you and your family are safe on the open road. Get in touch with us today to learn more about our RV insurance options.